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Playing through the StarCraft II: Heart of the Swarm campaign this weekend, I
couldn’t help but be struck by Blizzard’s equality-minded approach to how it
depicts its characters’ hindquarters. I’ve just been through every cutscene
again, and screengrabbed every bottom I could spot (barring repeat shots and
most of the slow zooms). Men, women, horrible alien creatures: they all get
their bums in the sun at some point. See if you can spot where the game’s noble
determination to not objectify its female star, Sarah Kerrigan, really proves
itself.

Raynor (civilian clothes). DarkChozo says: Does Bioshock pass the Bechdel test?
Unless we’re counting incidental NPC dialogue, there wasn’t much chance for
women to speak to each other – Elizabeth and Fitzroy is the only one I can think
of, and that was more of a three way “conversation” between them and Booker.

Honestly, the Bechdel test is a bit flawed for video games, because it’s hard to
have only-female conversations when your “camera” is a man’s eyes. Not that it
excuses anything, it just seems significantly less useful than in movies etc.
RaveTurned says: This sounds a lot like the argument CoD players apply to FPSes
to excuse the poor quality of the tacked-on single player campaigns – that
playing shooter games for the story is pointless, and multi-player is what the
genre is built for.

Then along come games like Bioshock that prove that their argument is bullshit –
maybe some shooters are shallow, but not all. Just because it’s true for a
prominent game in the genre doesn’t mean it applies to all games in the genre.
There are already RTSs out there that have done story well. Guvornator mentioned
Warcraft 3, and I’d cite Homeworld. Earl-Grey says: Indeed.

The comments section has gotten much busyer over the years, which is good.
However the tide of really quite excellent people does appear to have washed a
couple of undesireable creatures ashore. I guess it is unavoidable.

I just wish they’d stop pissing on our tappestries and shitting in our guestbook
and proclaiming it a violation of human rights whenever the keepers of Castle
Shotgun decide it’s time to scrape away the foulest feces. The comments have
always been a highlight on RPS.

They still are, it’s just that some of them have started making me groan with
despair and that makes me awfully tired. So, so tired.

On a side note; goodness, typing on these tablet things can be a massive chore.
Gap Gen says: Jim may be a fugitive with no real power in the game world except
as someone continuously running away from everything else, but his story arc
isn’t defined by being rescued from himself, if I remember correctly.

Plus the end bit where he carries her into the sunset is really shitty, but like
WB says, I accept that this could just be down to Blizzard being terrible rather
than an overt plot to denigrate women. EDIT: Wait, are we talking about WoL or
HotS, because these endings sound very similar, and I haven’t played HotS.
Wizardofauz says: I was fine with the Hyperion landing and Jim helping out in
the final battle. Thats all good, he helps a bit but Kerrigan is clearly the
driving force in that mission. Hell, I was helping jim out far more than I
wanted to there. Its in the last cutscene where the second most powerful being
in the universe (according to the lore thus far) doesn’t stab out at the
detonator or move in telekenetically or stab Mengsk and basically had to have
Jim come in and save her before she could kill Mengsk. That was lame and dumb
imo.

Saginatio says: You should do similar analysis of 5th element. PS I’m really
worried about direction RPS is taking. I understand that you have your opinions
and it is natural you want to defend them. Its just I want this to be a gaming
site with personal flavor, not a puristic site about gender inequality in games.

I am afraid if this continues, RPS will be just another political blog. To be
perfectly clear: I don’t criticize your point of view. In fact I agree with you,
at least partially. I just want to read fun notes with puns about games on this
site and not get enraged by zealous social believes. Jalf says: So, am I reading
you correctly, that you’re fine with misogyny in videogames, as long as no one
brings it to your attention?

I think, with attitudes like those, it might need *more* attention, not less. By
the way, I don’t know why you can’t do it, but I’m actually finding it rather
easy to locate posts about interesting PC games.

Do you get a different front page than the one I’m seeing? Because what I see is
11 posts on the front page, 10 of which are about “interesting PC games”, and
then this one.

Can you really not tolerate 1/11th of the content being about something other
than “interesting PC games”? MeestaNob says: Agreed. I come here for the
fascinating views on games, gaming, and PC related stuff.

Whilst I dislike the objectification of women and the inherent inequalities of
the industry, I’m getting really sick of the relentless preaching and
politically correct point scoring the staff have taken to injecting the articles
with in the past few months. It’s tiresome, and not only makes me regret coming
here but also regret being a gamer. All this bullshit makes me feel guilty for
enjoying games and that is NOT what I want from my hobby of choice. As a result
of reading articles here it just feels like I’ve picked the wrong form of
entertainment. To bang on about the subject in such a manner seems as childish
as to go “whey-hay boobies” every time a scantily clad female appears on your
computer screen. I really don’t like the editorial direction the site has taken.

TillEulenspiegel says: That kind of logic is routinely mocked here when it’s
about people who paid £5-10 for an indie game trying to dictate the development
or even just demand faster updates. It’s even sillier when you’ve either paid
nothing to RPS or simply given them a small donation. There was never any
agreement or implication that they’d do anything but spend their time how they
want and write exactly what they want. There are thousands of other PC gaming
sites on the net.

If you don’t like RPS, go read them. Says: In fact, we currently (bar occasional
days when people are away) write and post more articles than ever before, and
that will very probably continue to rise as, in time, we hopefully expand our
headcount. We keep finding ourselves with a wealth of posts scheduled, and
hopefully that’s going to free us all up to write more long-form stuff across
all of PC gaming. So the belief that there is less coverage of games-as-games is
empirically wrong, and most likely stems from some readers experiencing a
strongly negative reaction to any mention of gender and games. TillEulenspiegel
says: “Go somewhere else if you don’t like it” is a rather weak response This
complaint has been repeatedly heard and rejected. What other options do you
have? If I didn’t like the content of a site, I would stop reading it.

When I discover that people with blogs or twitters or whatever are bigoted
assholes, I quickly cut them out of the list of things I read. I find it very
strange that people are staying and whining. It’s pointless noise that helps no
one. You know it’s not going to change, so please stop. Says: “It’s tiresome,
and not only makes me regret coming here but also regret being a gamer.

All this bullshit makes me feel guilty for enjoying games and that is NOT what I
want from my hobby of choice. As a result of reading articles here it just feels
like I’ve picked the wrong form of entertainment.” I think that’s awesome. It
should be like that. You should feel bad for all the stuff that’s wrong in our
hobby and hopefully try to do something (tell the game developers that it’s
portrayal of women is shameful for example) instead of burying your head in the
sand. Obc says: Kerrigan (human) has a body tight spacesuit because.female
spacesuits have to be bodytight or else.SHUT UP Kerrigan (zerg) has no chitin
over her butt coz chitin wouldnt be soft enough to bend/move/wiggle along with
her cheeks.

It would have to be so intricate and fine woven that they might break easily.
But thats just a half-scientific guess. Most of the space suits in sci-fi have a
metal thong and the rest made of cloth around the ass/groin area. Sometimes the
metal thong is just some metal in front of the groin and some on the back and
the rest made of some cloth-like fiber for exactly that reason. The whole area
has to be move/bendable.

But why Kerrigan (zerg) isnt wearing any pants at all is because.HER CHITIN ZERG
STILETTOS WONT FIT. El_Emmental says: That isn’t fully accurate. As Stijn
mentionned just above your comment, Ghost are stealth units and wear bodysuits
(whatever is their gender), mostly because it makes them look like ninjas (who
needed custom-made tight clothing to not slow down their movements). HOWEVER,
the bodysuit doesn’t have to show the buttocks that much (and it’s too tight to
allow free movements), and have no reason to have a thong right in the middle of
it (that’s extremely silly and offensive, and exploiting the ninja-ghost suit to
oversexualize a character). Regarding the Zerg Kerrigan, it’s yet another
terrible character design, made by overly stupid artists or executives (forcing
the artists to do such a cheap job). There should be an articulated system of
armor plates, allowing fast movement while protecting the thigh from any
attacks.

Caulder says: So inetad of commenting on how crap the whole thing is, or how
Blizzard have managed to fleece consumers by charging an almost full retail
price for what is a rather small expansion pack, RPS is keeping with the pattern
set by John “if you wanted ME3’s endings changed you’re a fart” Walker and it’s
instead going for unfunny, passive-aggressive pot-shots without having to
actually criticize the game’s, well, gameplay. RPS used to be the only source I
trusted for PC gaming, especially after it stood by Rab Florence’s side when he
dared actually be critical of the industry.

I suppose it makes sense how rarely he was actually published here as opposed to
how often we’re seeing these trite attempts to seem enlightened in the face of
fanservice: criticizing only fanservice won’t harm this lovely frame of
publisher-paid ads. Ergates_Antius says: ” I suppose it makes sense how rarely
he was actually published here as opposed to how often we’re seeing these trite
attempts to seem enlightened in the face of fanservice: criticizing only
fanservice won’t harm this lovely frame of publisher-paid ads” That (very long)
sentence makes literally no sense what-so-ever.

Just because you don’t give a shit about an issue doesn’t mean that it isn’t
important and that other people don’t want to read it. If you don’t like it
being discussed here, there are plenty of other places on the internet where you
won’t be bothered by it.

Elgonzo says: If RPS want to be serious about taking a stand against sexism,
they should mark down games they perceive as sexist, while making the reason
clear; something along the lines: “This game has all the awesome graphics, but
it ultimately sucks like hell because of sexism.” In my opinion, they should not
strictly refuse to review those games (unless there are only a few of them). I
guess, beside getting a laugh and a facepalm from the comments, people visit RPS
to read and inform themselves about certain games. If they figure, that they
might not find info about a game they have been so successfully hyped over the
last couple of months until they have forgotten the name of their parents, then
they will probably just turn their backs on RPS.

Altum videtur says: Come on now. This is almost as ridiculous as the scantily
clad woman at the beginning of the article talking about RPS’s stance on the
issue of Gender&Women was.

Seems kinda hypocritical too, plastering all that Kerrigan butt all over your
article. Stop making a cause I believe in look petty and ridiculous. We’re
totally right you guys!” Yeah.

You are totally right, and this is bad. It’s also pointless making an article
for the sole purpose of attempting to justify your cause (a cause that, since it
is about providing a basic human liberty, namely that you shouldn’t have to feel
uncomfortable because your gender is obnoxiously and cringeworthily objectified
in a medium, needs no justification other than itself) to what you seem to be
assuming is an audience of morons. Don’t do this. Should RPS keep talking about
this issue? Should they at least attempt to keep their level of dignity above
“hurrrrrrrr look here an example”? Don’t shoot the fucking message by making the
way it is presented ridiculous, you guise.

Groove says: Yes, the single player campaign is rad. No, you won’t be surprised
by any plot twists. The campaign does interesting things with mechanics, unit
upgrades and locations. Also if you played SC Brood War then there are some fun
references back to that, and in the middle of the campaign there are a few
missions relating to Kerrigan regaining/surpassing her old power that are pretty
great (great art for the maps, unique units to fight and figure out,
entertaining if not unpredictable characters). Also there’s a character that
speaks like an evil Mordin Solus, and imagining him singing show tunes kept me
entertained throughout. Frightlever says: If this issue is so important
shouldn’t there be a news blackout or a boycott or something meaningful?
Nobody’s opinion was ever changed by snark, right?

I’m fine with games that objectify women. I’m equally fine with games that
objectify men. You’re not going to change my opinion that idealized visions of
male and female beauty shouldn’t be used in a game. I’m probably a dinosaur, so
get the game companies to change what they’re doing by denying them sales. If
the prevailing opinion is that gratuitously sexualized imagery, and female in
particular apparently, is wrong then the gaming companies are obviously hurting
themselves by perpetuating these stereotypes.

I’m sure once they realise that gamers prefer women, and men, in game to look
and dress like average office-workers (or whatever it is RPS seems to want) then
they’ll sell more games. Jamesworkshop says: Well men and women can’t be made
attractive in the same way is an asymmetry considering the differences in sexual
dimorphism, would I render myself more attractive to women with a mini skirt and
hair half way down my back? No, because women are more concerned with physical
height and the chest/shoulders region in men when it comes to attractiveness and
for men a womens gluteal-femoral area (pelvis, buttocks and thighs) region is
considered more interesting. Sex appeal is not directly comparable, the
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If you really want to earn gold in Avabel Online fast and easy, then check out
these easy to do tips to guide you farm gold in Avabel Online. As you progress
within the game, you will be able to reach the main tower area of Avabel.

Each floor in this tower is filled with a variety of types of monsters and
bosses having different levels. The main tower is one of the most popular
farming sites in Avabel Online because of its good drops. Filling your bag with
all the item you can get in this tower will likely guarantee you 15,000 gold
upon selling it to an NPC. However, the same question still goes. Will you earn
gold here or lose gold because of all the necessities in grinding within this
area.

Well, let me show you how to grind better in this area. Tips in Grinding in the
Main Tower 1.) If you want to last long within the tower, you are definitely
gonna need a party. Come with a full party within the main tower to help you
grind and eliminate monsters easily. Don't forget on including a healer on to
your party.

Healers will definitely be important in you gold farming pursuit since they will
be your best alternative aside from using potions to keep you alive in farming.
Also, don't forget to enable experience and loot share within your party so that
you fill your bag faster. Besides that, earning experience is definitely a good
bonus in your farms. 2.) Bring return wings always. You don't want to be wasting
your time from traveling from the tower to an NPC to sell, right? Thus, you need
to buy sufficient amount of return wings to easily transport you from the main
tower to the town. That way you'll spend more time on grinding than traveling.

Or else, you're gonna have to suicide in order for you to teleport faster than
walking. (Definitely, not a good advice though.) 3.) Remember to empty your bags
or at least, save huge space on it always if you are going to grind or farm
within the main tower. Carrying bag with a little space will only lessen the
loots that you will be able to carry. Consequently, you will only be able to
sell a little if you are only able to loot a little. One player even suggested
to farm in the Main Tower naked so that you will save more space which means you
will be able to loot more and earn more money. To save you more time on choosing
the best floor to grind or farm for gold, check it out here below.

Best Floors to Farm/Grind Gold in the Main Tower • 1st floor - You'll be able to
loot bandanas there which can be sold for a good price. • 6th floor - The 6th
floor is probably one of the most popular floors players farm for gold.

Well, it is because the 6th floor has good armor drops. You can probably sell
each armor you can earn in this floor for a hefty price.

Looting a lot of armor and other drops in this floor will definitely earn you a
lot of money. On top of that, the monsters here are not so hard to kill compared
to the other floors which also have good drops.

This is probably why this is the most popular floor to farm for gold because it
is almost available for level beyond 30+. Level below this level would probably
have a hard time farming for money here because low level players will likely to
lose more because of buying more potions. • 11th - 15th floor - In this floor,
players will be able to loot magical powder which are definitely in demand in
the Avabel Online market. This can definitely be sold for a good price as well.
• 17th floor - Almost all of the high level players tend to farm/grind/loot for
gold and money here since this floor has also good drop rates.

I haven't tried it yet but most high level players recommend this floor.
Definitely, this is also a must try floor to farm for gold. As what the method
suggests, your gonna play with the market by earning high returns as you buy and
sell items within Avabel Online.

Well, this is actually one of the hardest ways to make money because if you
don't do it right you are likely gonna lose money than earn money. However, if
you do it right, then you will definitely see how huge the return can be and how
quick it is to earn money. So how do you maximize your profit in buying and
selling? Well, here are some tips to guide you: • Be Updated with the Prices -
Know the real value of an item. Oftentimes, knowing the price of an item gives
you a greater edge against your competitors.

You are more likely able to play with the price if you know how much it really
costs. Besides, you might even be able to buy items at low prices because you
can easily bargain for lower prices if you know the real price of the item.
Thus, it is important to always ask your friends and other players about the
current prices of certain items. Perhaps, you could even post questions within
the forums with regards to prices. Don't be afraid to ask. It will definitely
help you a lot. • Make Connections - Take time to make friends and add others.

Keeping a list of friends within your circle will open you to more doors of
opportunities. This is especially important when you add players who also keep
on selling items.

Through your connections, you might be able to buy items which are good to sell
& even buy items at cheaper prices. Regularly chat with your connections. Ask
them what's hot on their stall. They might have something interesting for you.
Besides, people who know you would love to sell you their items if they know
you.

• Be Patient - Don't rush on things. Keep out for what's hot in the marketplace.
You might spot an impatient player selling something good.

If you do spot one, then you are definitely a lucky guy because you'll
definitely be able to buy something cheap from him or her. • Never Sell at
Unreasonable Rates - That is also why it is important that you should know what
the prices are. Overpricing will only provoke other players to not to buy on
you. Thus, keep your prices reasonable so that others will surely buy from you.
• Enhance & Sell - Players in Avabel Online also make good money buy buying
items and selling them later after upgrading and enhancing it. • Wait for the
Best Time to Sell - Sometimes, items become more expensive depending on the
season.

They can also get cheaper at times. Thus, you have to wait for the best time to
sell these items in order to gain more profit. • Craft & Sell - If you are a
creator, then you'll definitely be able to make use of this method. Simple, you
just create/craft things or potions for you to sell. Potions & rings are
definitely popular to sell. • Wolf Avatar Selling - These avatars are definitely
in demand.

Thus, it is just right as a trader to join the market. Search for on sale wolf
avatars having cheap prices. Once you do, you can surely sell them for more.

Just keep an eye on those type A/B/C/F Wolf Avatars. There are three ways farm
for gold in dungeons, and both require a new character for this method. •
Sharp/Hard Crystal Farming - There is actually a low level requirement for this
that is why you need to have another character other than your main one. Once
you create a new character and have leveled it up to the required level, you can
now start farming for crystals every thursday and tuesday.

Each crystal is sold for a decent price so it will definitely earn you decent
gold as well. • Main Tower Dungeon Farming - Rather than farming in the upper
floors of the main tower, we will focus more on the dungeon floor of the main
tower. In this method, you will have to choose the third dungeon option which
costs about 10 dungeon points. In their, you will be able to loot for crystal
pieces, saltpeter, arios & etc. • Elements Room Farming - They are actually like
the other dungeons, but still they can be compared to be alike. Anyway, you'll
be looting element fragments in this method.

If you are around level 54 - 64, then you'll want to farm in elements room 1. If
you are around level 65 - 75, then you'll have to farm in elements room 2. On
the other hand, if you are above these two level ranges, then elements room 3 is
where you should farm/. This is practically the least method that I recommend.
Because this remains to be a big issue against other players. You see, other
players see this as cheating because it seems unfair for others who are working
hard just to level up and farm for gold.

But its actually not a big deal at all because you are actually doing strategic
play than conventional play. Despite all the criticisms, you'll surely earn a
lot of money from here too. You are gonna be facing high level monsters in this
method. Of course, you are not gonna face them by yourself.

You are just gonna leech on the other players. I call this hitchhiking. Whenever
you are able to deal at least 12%-15% damage to the total health of a montster
you are eligible to loot drops. Thus, instead of killing high level monsters, or
bosses, you'll just have to hitchhike on parties killing such monsters. Ensure
that you are able to deal such damage and be sure to grab the loots as fast as
you can.

Looting items from high level monsters especially from bosses will surely earn
you items that are good to be sold.

• 2014-04-28 UPDATE [Extension of term]The Easter Event will be held! Thank you
for playing AVABEL ONLINE. The Easter Event will begin in the game starting from
4/28/2014. Please check the following details and join the event!
--------------------------------------- Make your Easter Egg and GET your
special avatars! The easter bunnies have come to the world of AVABEL! But they
seem troubled.

We ask all adventurers to help the easter bunnies! [Event Details] First finish
the limited time quest 'Find the Bunny' and release the event only map 'Bunny
Room'!

You can accept event only quests and create easter eggs in the Bunny Room! To
create an easter egg, you will need to collect the White Egg and Inks. The
monsters in the challenge dungeon 'Happy Easter' have them. Receive the White
Egg from the serial code. -White Egg (Serial code) 4372-3453-0288-6491 Collect
the items and create the easter egg! You will get different avatars according to
the color or design of the easter egg you have created!
--------------------------------------- Enjoy the event!

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BITCRUSHER VST FL STUDIO DOWNLOAD

3/1/2018

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Get TAL-Bitcrusher by TAL-Togu Audio Line and learn how to use the plugin with
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Bit Fluzer is an audio effect similar to standard “bit crushers”, but featuring
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ADMINISTRATOR X WINDOW SYSTEM32 CMD EXETER

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РЕШЕБНИК ПО ФИЗИКЕ 7 КЛАСС ГРОМОВ РОДИНА 2010

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DETERMINISM AND POSSIBILISM IN GEOGRAPHY PDF

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Possibilism and environmental determinism. People, Places and. And Renwick, W.H.
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News Views Registered users have access to Industry Resources and past NABD
conference presentations. You also receive access to expert articles and advice
in our BHPH Library. In our library you will find industry experts such as Tom
Hudson & Ken Shilson as well as top industry news publications like Auto
Remarketing, Used Car News, SubPrime Auto Finance and Spot Delivery. You will
also receive access to website links relating to all aspects of the Buy Here,
Pay Here industry. Links to capital sources, software vendors, payment devices
as well as warranty companies and much more! Remember, membership is free so
sign up online or call 832-767-4759 today! Please Click on a Category to view
related articles and posts.

Merger Creates Succession Plan for NABD and a Combined Mega-Conference for the
Used Vehicle Industry Arlington, Texas (Dec. 20, 2017) -- The National
Independent Automobile Dealers Association has acquired the assets and
operations of the National Alliance of Buy Here-Pay Here Dealers and will merge
NABD’s conference and educational services into those of NIADA. NIADA closed on
the acquisition Dec.

Thanks to everyone for their kind thoughts and prayers as Houston and Texas
travel down the road to recovery! Those who survived and successfully rebounded
from Hurricane Katrina understand what is ahead for Texas and particularly for
Houston, which is our nation’s fourth largest city! The impact on the automotive
industry from Hurricane Harvey will be felt for years into the future. Insurance
companies are rushing to process an estimated 500,000 Texas vehicles waterlogged
during Tropical Storm Harvey’s record rainfall, a catastrophe expected t. - The
Subprime Auto Finance Market is Changing – Embracing the Changes!

NABD Announces Orlando BHPH Conference October 23 – 25, 2017 HOUSTON, TEXAS –
The National Alliance of Buy Here Pay Here Dealers (NABD) today announced its
14th Annual Buy Here, Pay Here (BHPH) Conference in Orlando, Florida at the
Rosen Centre. The Conference theme is “Opportunity Knocks – Best Ways to
Respond.” President and founder Ken Shilson indicated, “The last 24 months have
been extremely challenging for BHPH operators, but better days are head!”
Increased competition, plus higher operating and compliance costs, have combined
to reduce profits and BHPH market share, Shilson explained. However, competition
is declining and former BHPH customers will reenter the finance market when they
default on vehicles they bought from the competition.

This Conference will address ways to regain market share, find capital, avoid
compliance mistakes, an. - PassTime Names New CEO, President.

LITTLETON, Colorado- May 22, 2017-PassTime announced today it has named Jeffrey
(Jake) Frank Chairman and CEO of the company. Additionally, the company has
appointed Chris Macheca President in addition to remaining as the company’s
Chief Operating Officer. Jake Frank is the co-founder of PassTime and previously
served in numerous executive positions in the past, including Executive Vice
President. Frank received a Bachelor of Science degree from Penn State
University and a master’s degree from the University of Virginia. Since 1990, he
has worked in the auto industry and since founding the company in 1992, Mr.

Frank has been instrumental in the continued success of PassTime over the past
several decades. Chris Macheca has been with the company for 19 years. During
his career at PassTime, Mr. Macheca has be. - AN Open Letter To All NABD Members
- From Ken Shilson.

Dear NABD Member, You already know how competitive our industry has been during
the last 24 months and that competition has brought changes in the BHPH
business. The old ways don't work like they used to; so we must implement some
new operating practices. At our 19th Annual National Conference at the fabulous
Wynn / Encore on May 23 - 25, we will help you adapt to these new challenges
with creative ideas, tips and information for success. The conference theme is
the 'Changing World of BHPH and NABD'. NABD is changing too! After nineteen
great years we are now developing a succession plan on how NABD will continue in
the future. In January, I celebrat.

- The Changing World of Buy Here, Pay Here and of NABD! The Changing World of
Buy Here, Pay Here and of NABD! By: Kenneth Shilson, CPA, President and Founder,
Conference Chairman During the last year I have emphasized the many changes in
the BHPH business during the last 24 months. In this article, I will also
discuss the changes in our 19th annual BHPH conference May 23-25 at Wynn/Encore
in Las Vegas (NABD 2017) where we will help attendees meet these new industry
challenges. In the general education sessions which begin on Tuesday afternoon
(May 23rd) and Wednesday morning (May 24th) we will answer attendee’s questions
during interactive sessions covering; 1.

- NABD Completes New BHPH Industry Benchmarks Report! NABD Completes New BHPH
Industry Benchmarks Report!

Houston, TX – The National Alliance of Buy Here, Pay Here Dealers (NSBD) today
announced the completion of their annual industry benchmarks for the year ended
2016 with forward looking commentary and comparisons with prior years. Ken
Shilson, CPA and the President and Founder of NABD announced that this
comprehensive report is the 19th consecutive year it has been published.

“This year the report contains 20 Group operating information from both NCM and
NIADA, financial results and ratios from SGC Certified Public Accountants and
loss metrics prepared by Subprime Analytics. Shilson also provides extensive
commentary to help readers understand the significance of the data. This is the
most comprehensive report we have ever published on subprime auto finance,”
Shilson declared. “Our benchmar.

- “The Changing World of Buy Here, Pay Here Conference”. Houston, TX – The
National Alliance of Buy Here, Pay Here Dealers (NABD) today announced the
details of their 19th Annual BHPH Conference at the Wynn/Encore in Las Vegas on
May 23rd-25th. The conference theme of this show is “The Changing World of Buy
Here, Pay Here” because the event will focus on operators can compete
successfully in the highly competitive subprime auto finance market of today,
Ken Shilson, President of NABD explained.

The show will begin at 1:00 PM on Tuesday afternoon on May 23rd with a
first-time attendee reception. This reception will be followed by general
education sessions which feature critical decisions for success, a legislative
and regulatory update, an evolutionary view of wholesale acquisition, and a
benchmarks/trends update. Tuesday afternoon concludes with a gala welcome r. -
When Bad News is Good for Buy Here, Pay Here! Recent press about Subprime auto
loan performance has highlighted concerns about this market segment. “The
Federal Reserve recently expressed concern that delinquencies among auto
borrowers with weak credit has been rising.” A recent article in USA Today
entitled, “It’s Tougher to Get a Credit Card, Car Loan” noted that the number of
subprime auto loans (those requiring a FICO score of 600 or lower) that were at
least 90 days late on payments hit the highest level since 2010 in the third
quarter of 2016 at 6 million, according to the New York Fed. The bulk of bad
loans were by auto finance companies rather than banks,” they said.

In February, Wall Street analyst Wolf Richter published an in-depth report and
analysis called, “Seriously Delinquent” Auto Loan Surge which provides some
excellent insights into the causes and predicts what may be ahead. - When Bad
News is Good for Buy Here, Pay Here! Recent press about Subprime auto loan
performance has highlighted concerns about this market segment. “The Federal
Reserve recently expressed concern that delinquencies among auto borrowers with
weak credit has been rising.” A recent article in USA Today entitled, “It’s
Tougher to Get a Credit Card, Car Loan” noted that the number of subprime auto
loans (those requiring a FICO score of 600 or lower) that were at least 90 days
late on payments hit the highest level since 2010 in the third quarter of 2016
at 6 million, according to the New York Fed. The bulk of bad loans were by auto
finance companies rather than banks,” they said. In February, Wall Street
analyst Wolf Richter published an in-depth report and analysis called,
“Seriously Delinquent” Auto Loan Surge which provides some excellent insights
into the causes and predicts what may be ahead.

- When Bad News is Good for Buy Here, Pay Here! Recent press about Subprime auto
loan performance has highlighted concerns about this market segment.

“The Federal Reserve recently expressed concern that delinquencies among auto
borrowers with weak credit has been rising.” A recent article in USA Today
entitled, “It’s Tougher to Get a Credit Card, Car Loan” noted that the number of
subprime auto loans (those requiring a FICO score of 600 or lower) that were at
least 90 days late on payments hit the highest level since 2010 in the third
quarter of 2016 at 6 million, according to the New York Fed. The bulk of bad
loans were by auto finance companies rather than banks,” they said. In February,
Wall Street analyst Wolf Richter published an in-depth report and analysis
called, “Seriously Delinquent” Auto Loan Surge which provides some excellent
insights into the causes and predicts what may be ahead.

- Opportunity Knocks for BHPH in 2017! As the year closes, it is time to look
forward and plan for next year. Recent performance data for the subprime auto
finance market indicates that better days are ahead for independent BHPH
operators who can capitalize on the opportunities. Recent data from Experian
indicates that through the third quarter of 2016, “installment finance contracts
with deep-subprime consumers dropped 2.8% to the lowest level on record since
2011!

Looking specifically at used vehicle financing, analysts noted that the subprime
auto finance sectors saw an even larger decrease. Financing for consumers with
deep-subprime credit dropped by 5.3% to 5.11%, the lowest Experian has seen on
record since 2007.” This market change with deep-subprime customers (who prior
to 2014 purchased BHPH vehicles from independent operators) subsequently bought
and financed them from franch.

- NABD BHPH Orlando Conference Helps Operators Succeed Now! HOUSTON, TEXAS – The
National Alliance of Buy Here, Pay Here Dealers (NABD) today announced the
successful completion of its Best Practices Conference held last week at the
fabulous Rosen Shingle Creek Resort in Orlando, Florida.

Operators from around the United States and Canada attended the 3 day event with
the theme “Best Practices to Succeed Now.” The dual track program featured
sessions on both best practices and on compliance. “Approximately 60% of the
attendees surveyed had never been to an NABD conference previously,” said Ken
Shilson, President of NABD.

The conference opened with 14 different workshop sessions covering: vendor
compliance, recoveries, millennial marketing, new technology, deal jacket
compliance, reconditioning, F&I best practices, tax refunds, payment devices,
capital solutions, LHPH, and the latest accounting/tax development. -
Opportunity Knocks for BHPH Operators! OPPORTUNITY KNOCKS FOR BHPH DEALERS!By:
Kenneth Shilson, President/Founder, NABDRecent developments in the subprime auto
finance market indicate that better days are ahead for the BHPH industry! The
last 24 months have seen fierce competition for deep subprime customers from
credit unions, finance companies and franchise dealers. Much of this competition
has been fueled by billions of dollars from auto bond securitizations packaged
by Wall Street and sold to investors who were seeking high investment yields.
Some recent indicators suggest that better subprime market conditions are ahead
for independent BHPH operators as follows:1. Some of the deep subprime auto bond
securitizations are not performing as projected and further deterioration is
expected during the summer months.2.

Inventory availability continues to improve from auto bond repos, off lease and
rental vehicles, and fr. - NABD Announces Details of 13th Annual BHPH Conference
in Orlando, November 1-3, 2016. HOUSTON, TEXAS – The National Alliance of Buy
Here, Pay Here Dealers (NABD) released details of its upcoming BHPH Conference
at the Rosen Shingle Creek Resort in Orlando, Florida on November 1-3, 2016. The
conference theme is “Best Practices to Succeed Now!,” and is designed for both
new and experienced operators. This will be the 13th annual fall conference by
NABD, which is the largest used car special interest group for BHPH operators
with more than 13,000 members. The conference features dual-track workshop
sessions, starting at 3:00 PM on November 1st, which will be focused on best
operating practices, compliance, technology, and new developments that operators
must learn to succeed in the highly competitive subprime auto finance market of
today.

The program includes several of the nation’s leading attorneys, experts, and
successful operators who will share th. - NABD 2016 Helps BHPH Navigate the Road
to Success! By: Kenneth Shilson President, NABD Operating successfully in the
buy here, pay here industry has become more challenging due to increased
regulatory pressures and competition. Independent BHPH dealers have lost
approximately 33% of their market share during the last 24 months and best
operating practices are not working like they used to!

In this article I will discuss what is “driving” the increased subprime auto
competition and suggest ways for independent operators to compete. The
regulatory challenges are not going to disappear so the BHPH industry must face
them “head on”! Increased competition by credit unions, finance companies, and
franchise operators has been “fueled” by cheap money and an investor appetite
for higher yielding returns. In response, W. - National Alliance of Buy Here,
Pay Here Dealers Becomes Authorized Education Provider with DBA International.
Sacramento, CA – January 18, 2016 – DBA International is pleased to announce
that the National Alliance of Buy Here, Pay Here Dealers (NABD) has become an
Authorized Education Provider. Those in the receivables industry can earn
continuing education credits toward DBA International certification for
completion of in-person, live webinar, or online courses offered through NABD.

NABD earned the Authorized Education Provider designation by demonstrating
excellence in providing instruction to the buy here, pay here (BHPH) industry.
The association is dedicated to improving the quality of BHPH dealers through
education, ongoing training, and by promoting the interests of self-finance
dealers nationwide. NABD hosts two large, well-attended conferences each year,
two of which DBA International board membe. - NABD Completes Its Ninth
Successful BHPH Boot Camp.

HOUSTON, TEXAS – The National Alliance of Buy Here, Pay Here Dealers (NABD)
today announced the successful completion of a Boot Camp in Monroe, North
Carolina on January 9-10, 2016. The training took place at the operations of
Ingram Walters and included tours of his entire operations.

Attendees received procedures and human resources manuals, compliance materials,
financial modeling software, and many other resources to help them operate more
successfully. NABD President Ken Shilson indicated, “This is the only BHPH
training where attendees can see a BHPH operation while learning in the
classroom.

Attendees from around the nation attended this two-day session. Boot Camp
sponsors included Auto Zone, Auto Search Technologies, Primalend, and Stars GPS,
who made expert presentations dur. - FOR IMMEDIATE RELEASE NABD Completes BHPH
Compliance University Conference in Orlando. HOUSTON, TEXAS – The National
Alliance of Buy Here, Pay Here Dealers (NABD) today announced the successful
completion of its Best Practices and Compliance Conference held last week in
Orlando, Florida. Operators from around the United States and other countries
attended the 3-day event, which ended November 5. The dual track program
featured sessions on best operating practices and BHPH compliance. Ken Shilson,
CPA, founder and President of NABD, indicated that the compliance track
“featured the greatest collection of legal talent in the 18-year history of
NABD!” Attorneys Dave Bafumo, Trish Cacciola, Susan Chylik, Allen Denson, Mark
Edelman, Tom Hudson, Eric Johnson, Terry O’Loughlin, and Shaun Peterson
explained and di.

- NABD Announces Details of 12th Annual East Coast BHPH Conference in Orlando,
November 3-5, 2015. HOUSTON, TEXAS – The National Alliance of Buy Here, Pay Here
Dealers (NABD) released the details of its upcoming Buy Here Pay Here (“BHPH”)
Conference in Orlando, Florida at the Wyndham Orlando Resort International Drive
on November 3-5, 2015. The Conference theme is “More Success, Less Risk”, and
the Conference is designed for both new and experienced operators. This will be
the 12th Annual East Coast Conference by NABD, which is the largest used car
special interest group for BHPH operators in the U.S. With over 12,000 members.
The conference features dual-track workshop sessions starting at 3:00 PM on Nov.

3, covering BHPH best operating practices, and compliance. The program features
many of the nation’s leading. - 'Heard On the Street' NABD 2015. HOUSTON, TEXAS
– The National Alliance of Buy Here, Pay Here Dealers (NABD) today announced the
successful completion of their 17th annual National BHPH Conference at the Wynn,
Las Vegas, Nevada on May 19-21. Operators and experts from around the nation and
Canada gathered to hear more than 70 speakers and panelists during the three day
event.

The conference theme was “The Very Best of Buy Here, Pay Here” and featured an
NABD Hall of Famers panel who shared tips, best practices and their visions on
how to operate successfully. The panel included newly inducted Don Foss of
Credit Acceptance Corporation and CARite, Ed Bass of Overland Bond, Chicago,
Illinois, Julian Codding, Reliable Autos, Oklahoma City, Oklahoma, and John
Linnehan, Jr. Of Credit Now Auto Company, Ellsworth, Maine. Conference Chair. -
NABD Welcome Message.

Thank you for attending our NABD 17th National Conference for Buy Here, Pay
Here. We are pleased to be back at the Wynn and believe that the beautiful
facilities and this year’s room rates make this venue exceptional. Our
conference theme is “The Very Best of Buy Here, Pay Here.” The workshops and the
general education sessions which follow these workshops feature industry
experts, attorneys, and our NABD Hall of Famers.

These speakers have been chosen from “the best of the best” and we have over 70
speakers this year. We appreciate their participation and willingness to share
their expertise with all of us!

Several of the workshops and educational sessions are new this year as we strive
to keep the program fresh. Please turn in your evaluation form during the
conference so we can consider suggestions for future NABD events. - NABD
Announces Details of Its 17th Annual National BHPH Conference in Las Vegas May
19-21, 2015. HOUSTON, TEXAS - The National Alliance of Buy Here, Pay Here
Dealers (NABD) today announced that it will host its 17th Annual BHPH Conference
at the Wynn in Las Vegas May 19-21, 2015. The program is designed for both new
and experienced operators who want to be more successful in the competitive
subprime auto finance market of today. The conference theme is “The Very Best of
Buy Here Pay Here”, and the conference features many of the nation’s most
successful operators and industry experts.

Kenneth Shilson, CPA, NABD founder and Conference Chairman explained that “this
year we have added several new sessions to our agenda, including: a first-time
attendee reception, a Hall of Fame Members Best Practices Panel, reporting to
credit bureaus when you are a small. - NABD Completes Successful Best Practices
Conference. By Kenneth Shilson, CPA President Subprime Analytics As this year
closes, buy here, pay here (BHPH) operators will review their year-end results.
This usually involves looking at financial statements, preparing tax returns,
and studying vehicle sales numbers.

None of this information evaluates the performance of a BHPH operator’s biggest
asset – their installment contract portfolio! The use of three basic metrics is
the only way to evaluate portfolio metric performance.

These three basic metrics are needed to measure portfolio performance: 1. Static
pool loss rate 2. Loss / liquidation rate 3. - Important NABD Tax and Compliance
Update for 2015. By: Kenneth Shilson, CPA President / Founder NABD Last week I
participated in the NIADA Leadership Meetings in Washington, D.C. This allowed
me to discuss matters of great importance to the BHPH Industry with both
regulators and members of Congress.

Here are some take aways from those meetings: Several members of Congress
indicated that the “tax extender” provisions will likely be approved by Congress
before they recess in December! This indicates that tax refunds should not be
delayed significantly in 2015. I anticipate these tax refunds will begin around
February 1st provided that Congress acts as they indicated.

The competition for these refunds has increased as subprime lenders, credit un.
- NABD Completes Another Buy Here, Pay Here Boot Camp! HOUSTON, TEXAS – The
National Alliance of Buy Here Pay Here Dealers (NABD) announced the successful
completion of its sixth BHPH Boot Camp in North Carolina on August 2-3. The Boot
Camp training was conducted at the operations of iCars (in Monroe, North
Carolina, just outside of Charlotte), which is owned and operated by Ingram
Walters. “This allowed attendees to attend classroom training and to receive
in-the-field training at one of the nation’s best operations!” said Ken Shilson,
CPA, the co-instructor at the Boot Camp. The training featured a complete tour
of the entire iCars operation and included personalized training sessions with
each attendee. The “sold out” program had 27 attendees.

- Buy Here, Pay Here Success; A Financial Perspective. By Kenneth Shilson, CPA
President/Founder Subprime Analytics National Alliance of Buy Here, Pay Here
Dealers (NABD) Success in Buy Here, Pay Here (BHPH) is frequently measured by
how many vehicles a dealer sells each month or year. Although sales are
important, this article will focus on other areas which are important to BHPH
success. “Keeping them sold” is important to long-term success and requires good
underwriting and collections, efficient systems and processes, a cash efficient
business model, financial flexibility, a compliance management system, and
portfolio metrics.

I will discuss each of these in this article. A careful look at the most
successful BHPH operators of today reveals that they: Manage credit risk
successfully.Utilize. - Subprime Analytics Announces Integration with Auto
Master Systems - on LH.

Houston, Texas – The National Alliance of Buy Here, Pay Here Dealers (NABD)
today announced that it will host its 16th Annual Buy Here, Pay Here (BHPH)
Conference at Wynn Las Vegas on May 20-22, 2014. This is the industry’s largest
BHPH Conference and trade show.

Ken Shilson, CPA and founder of NABD, explained, “The 2014 National Conference
will focus on all the latest industry developments, trends, benchmarks,
compliance and other important industry changes since last year. In addition,
the trade show this year will be the largest in BHPH history and will include
all the newest products and services to make attendees more successful. Last
year, approximately 1,800 attendees participated in the 2013 National Conference
and Dealer Academy, together making them the largest used car event in the
automotive industry,” Shilson said.

Rick Hackett, who most recen. - NABD to Host Buy Here, Pay Here Compliance
Academy May 18-20, 2014 in Las Vegas. Houston, Texas – The National Alliance of
Buy Here, Pay Here Dealers (NABD) today announced that it will host a BHPH
Compliance Academy at the Wynn in Las Vegas on May 18-20, 2014. This program is
designed for both new and experienced operators who want to learn about
important compliance matters and ways to implement them through best practices.
Kenneth Shilson, CPA, founder, and conference chairman explained, “The
Compliance Academy replaces our previous “sold out” Dealer Academy which has
preceded our National BHPH Conference for the past two years.

With the CFPB, the FTC, and state Attorneys General now focusing on the BHPH
industry, compliance needs to take ‘center stage’. This Academy will benefit
people entering the business, owners, key employees, capital providers, chief
compliance off. - BHPH 2013 is In the Rearview Mirror; What’s Ahead? By Kenneth
Shilson, CPA President/Founder National Alliance of Buy Here, Pay Here Dealers
(NABD) Subprime Analytics Although the year-end financial results for Buy Here
Pay Here (BHPH) operators are still being compiled and individual results will
vary, the NABD members I surveyed about 2013 performance indicated the
following: 1) Unit sales for most operators were flat or declined (some by up to
25%) from 2012; due primarily to increased market competition from special
finance sources that extended credit to BHPH customers.

Individual operators were affected by varying levels of special finance
competition in their local markets. Some operators expanded their facilities
(added lots) to increase their market share. Market data indicated that the BHPH
deep subprime financing market share declined by more than 20% in 2013, while
the market share for subprime finance com. - NABD 2013 EAST COAST CONFERENCE
PRESENTATIONS!

Thank you for attending this NABD East Coast BHPH Conference. We understand that
not everyone can attend our national conference in Las Vegas each May, so we
believe this New Orleans venue will benefit those operators and sponsors in the
eastern part of the United States. If you also attended our National Conference
in Las Vegas last May; great news. This conference includes new speakers,
sessions and information not previously covered last May.

Our special thanks to the Louisiana Dealers Association and others from Alabama,
Arkansas, the Carolinas, Georgia, Mississippi, Tennessee and other state
associations who are co-sponsoring this event. Local and state associations and
NIADA play important roles in providing operators with relevant information
needed to stay “on top of their game.” NABD was created to complement, not
replace, other automotive a.

- NABD Announces the Details of its Upcoming New Orleans BHPH Conference
November 3-5, 2013! Houston, Texas – Today the National Alliance of Buy Here,
Pay Here Dealers (NABD) announced the details for its upcoming East Coast BHPH
Conference to be held at the fabulous Hyatt Regency Superdome Hotel in New
Orleans on November 3-5, 2013.

The Hyatt Regency Superdome is the newest and most modern hotel in New Orleans,
and was the host hotel for the 2013 NFL Super Bowl! NABD has arranged discounted
room rates of $169.00 per night – while supplies last – which expire on October
4, 2013.

The Conference begins on Sunday, November 3 at 4:00 PM with concurrent workshops
covering twelve topics of timely importance. These workshops feature industry
experts, including leading attorneys Tom Hudson, Terry O’Loughlin, and David
Bafumo. “These workshops will be highly interactive and will not be
infomercials,” said Ken Shilson, Conference chairman.

- ITURAN® Leads Transition to 3G GPS via Innovative New Products. ITURAN®Leads
Transition to 3G GPS via Innovative New Products ITURAN, a company specializing
in GPS-enabled vehicle tracking technology, is leading the way forward into 3G
GPS.

Lauderdale, Florida, September 11, 2013— For years, GPS tracking and vehicle
protection technologies have made use of low-cost 2G bandwidth—but with most
cell phones now requiring 3G or 4G, companies like AT&T and Verizon are phasing
out their 2G networks; in what experts call the “2G sunset,” 2G bandwidth will
be altogether extinct in the next three years. This has left many GPS technology
companies in a bind, but one corporation, ITURAN, is leading the charge forward.
In a new press statement, ITURAN USA’s Product Director, Meir Schwartz, says the
decline of 2G has urgent effects for all who use GPS t. - Heard 'In the
Trenches' about the latest NABD Buy Here, Pay Here Boot Camp.

By Kenneth Shilson, CPA Founder/President NABD/Subprime Analytics The first half
of 2013 is now in the rearview mirror for the buy here, pay here industry and
it’s time to look back. Many operators reported lower unit sales versus the same
period last year. Two important questions are, “Why?” and “What can be done to
improve unit sales during the remainder of the year?” I address both in this
article. Experian Automotive provides excellent information quarterly on
automotive market share. Their numbers for the first quarter of 2013 indicated
that BHPH market share declined 6.4%. Although a 6% decline is not good, the
real math is worse.

Experian reports that BHPH market share declined from 17.1% to 10.7%. Therefore,
the real decrease was actually 33.

- The Critical Decisions That Bring Buy Here, Pay Here Success. HOUSTON, TEXAS–
The National Alliance of Buy Here Pay Here Dealers (NABD) today announced the
details for its annual East Coast Buy Here Pay Here (BHPH) Conference on
November 3-5, 2013. The conference will be held at the Hyatt Regency New Orleans
Superdome hotel. These outstanding facilities were the host hotel for the 2013
NFL Super Bowl and are the most modern in New Orleans.

The agenda this year will focus on making the right decisions to succeed in BHPH
today, and the conference theme is appropriately entitled, “Critical Decisions
that Bring Success!” explained Ken Shilson, NABD President and Conference
Chairman. Highlights include a legal and regulatory update, interactive sessions
with capital providers, two workshops cond. - Heard On the Street About Buy Here
Pay Here Week.

Houston, Texas – May 28, 2013 – The National Alliance of Buy Here, Pay Here
Dealers (NABD) announced today that dealers, experts and operators gathered in
Las Vegas from May 19-23, 2013 to learn and to interact during five days of
education and networking during Buy Here Pay Here Week. “Our Dealer Academy
which preceded the National Conference included dual tracks for both new and
experienced operators,” said Ken Shilson, CPA, and Conference Chairman. “Overall
attendance included approximately 1,800 attendees.

The Dealer Academy focused on all the important operational and financial
aspects of the business and stressed the importance of compliance. The NABD 2013
National Conference updated attendees on the latest benchmarks and trends,
technology, capital, inventory acquisition and reconditioning tips and
techniques, and the latest regulatory and compliance updates.” Ken. - Re:
Proposed Bill AB 187. Shilson, CPA Founder/President, NABD National Alliance of
Buy Here Pay Here Dealers (NABD) 2180 N Loop West Suite 270 Houston, TX 77018
Kelvin Atkinson, State Senator Nevada Legislature Re: Proposed Bill AB 187 Dear
Senator Atkinson, and other members of the Assembly: My name is Ken Shilson. I
am the founder and president of the National Alliance of Buy Here Pay here
Dealers, which includes well over ten thousand dealers.

We as a group have financed hundreds of thousands of vehicles over the past five
years in Nevada and across the country. I have been asked by PassTime Inc. And
others in the electronic payment assurance industry to offer my position as to
the two proposed bills pending before the Assembly – or soon to be pending in
that body. - What Compliance Moves Buy Here, Pay Here Operators Should Make in
2013!

By Kenneth B. Shilson, CPA Founder/President, NABD President, Subprime Analytics
With the close of another year, most Buy Here, Pay Here (BHPH) operators will
evaluate last year’s performance by comparing their financial results with the
past. They will base their goals and strategy for the next year by looking at
financial and operating metrics like unit sales, gross sales revenue (in
dollars), the growth in their installment portfolio, and their net income.
Although these represent the standard benchmarks for planning, they omit a very
critical element: Compliance!

The BHPH industry faces some important new legal and regulatory challenges from
the newly formed Consumer Financial Protection Bureau (CFPB), the Federal Trade
Commission (FTC), and the Attorney Generals’ offices in each state. All of these
regulatory authorities will be monitoring cons. - NABD 2013 is Almost Here!
Click Here to See Highlights From Last Year! HOUSTON, TEXAS – The National
Alliance of Buy Here Pay Here Dealers (NABD) in conjunction with SGC Certified
Public Accountants (SGC) and NCM Twenty Groups (NCM) announced that they have
just completed their 2012 buy here, pay here benchmarks. These NABD benchmarks
include operating information on sales, collections and recoveries, inventory,
and inventory management. In addition, they also include portfolio performance
metrics compiled electronically by Subprime Analytics (Subprime), who has
analyzed over $10 billion of BHPH deals to indentify industry loss rates,
patterns and trends.

In the aggregate, these benchmarks provide the most comprehensive and credible
look at the financial and operating performance of the industry for the last
three years and important trend information for earlier periods. Kenneth
Shilson, CPA and President of NABD, said these benchmarks provide a. - Do You
Want to Succeed in Buy Here, Pay Here? Don’t Miss NABD 2013! Houston, Texas –
The National Alliance of Buy Here, Pay Here Dealers (NABD) today announced that
it will host its 15th annual National Conference at the Wynn in Las Vegas on May
21-23, 2013. NABD is the only automotive conference exclusively for BHPH. Ken
Shilson, CPA and founder of this 15-year-old special interest group, explained,
“BHPH opportunities have never been better than in the low-yielding environment
of today for operators who understand the business and avoid pitfalls and costly
mistakes!” Therefore, our conference theme is “Operating Successfully in the
Current BHPH Environment”.

“The program has been designed to provide operators with access to capital, the
latest technology, and all the compliance moves they should make now. Last year
approximately 1,800 attendees participated in our National Conference and Dealer
Academy making the. - Your Gateway to Buy Here, Pay Here Success! Houston, Texas
– The National Alliance of Buy Here, Pay Here Dealers (NABD) today announced
that it will host a BHPH Dealer Training Academy at the Wynn in Las Vegas on May
19-21 exclusively for buy here, pay here operators. Kenneth Shilson, CPA,
founder and conference chairman explained that “the Dealer Academy is designed
to provide in-depth, comprehensive training on all facets of buy here
operations.

It is ideally suited for people who are entering the business, for key employees
seeking to expand their knowledge and skills, and for those who want to improve
the performance of their existing operations.” This training is a “gateway to
buy here, pay here success” which is our Academy theme this year,” Shilson said.
Success or failure in buy here, pay here can generally be attributed to several
critical decisions which every operator mu. - What Compliance Moves Buy Here,
Pay Here Operators Should Make in 2013! With the close of another year, most Buy
Here, Pay Here (BHPH) operators will evaluate last year’s performance by
comparing their financial results with the past.

They will base their goals and strategy for the next year by looking at
financial and operating metrics like unit sales, gross sales revenue (in
dollars), the growth in their installment portfolio, and their net income.
Although these represent the standard benchmarks for planning, they omit a very
critical element: Compliance! The BHPH industry faces some important new legal
and regulatory challenges from the newly formed Consumer Financial Protection
Bureau (CFPB), the Federal Trade Commission (FTC), and the Attorney Generals’
offices in each state.

All of these regulatory authorities will be monitoring consumer complaints to
identify regulatory violations and those operators who are violating the rules.
- NABD Welcomes Wide Array of Attendees to First Boot Camp. By Nick Zulovich,
Editor August 20, 2012 MONROE, N.C.— A mix of aspiring and experienced buy-here,
pay-here dealers left this past weekend's training boot camp hosted by the
National Alliance of Buy-Here, Pay-Here Dealers with the complete business plan,
current financial and sales statements and more from a 20-year operator.

So why would Ingram Walters pass out three-inch thick three-ring binders
overflowing with current inventory run lists, marketing scripts and strategies
and to-the-penny details of employment compensation of all personnel? 'When we
do Las Vegas, it's so big.

There are 2,000 people there. It's almost overwhelming,' Walters said about
NABD's annual convention that's been conducted for the past 14 years. 'When
you're here, you're touching it, seeing it, feeling it, kickin. - HEARD ON THE
STREET about the 2012 EAST COAST NABD BHPH CONFERENCE.

“The sports lounge and the other new features of the exhibit hall made this show
outstanding for both attendees and exhibitors. We will be sponsoring both the
NABD 2013 Conference and the Dealer Academy at the Wynn in Las Vegas next May.

Can’t Wait!!!” - Bill Neylan, Tax Refund Services Tampa, Florida “Enjoyed time
with Tom Hudson and Ingram Walters, two great minds in the industry. Ingram was
willing to talk with me for a while. Make sure people like Ken, Tom and Ingram
are here and I’ll keep coming!” - Mitch Rank, Paul Sherry Car’n Credit Piqua,
Ohio “NABD East Coast was very helpful for my staff. The conference was very
informative and they enjoyed it. Our collections manager learned several skip
searching techniques which are always extremely helpful and the last session on
collections was h.

- NABD Completes Another Successful East Coast Conference. HOUSTON, TEXAS – The
National Alliance of Buy Here, Pay Dealers (NABD) announced the successful
completion of another East Coast Buy Here, Pay Here Conference (BHPH) in
Atlanta, Georgia.

Operators from around the United States and internationally attended the 3-day
event which ended October 23. Other notable attendees included senior members of
the Consumer Financial Protection Bureau (CFPB) and leaders from industry groups
such as the National Independent Automobile Dealers Association (NIADA) and
others.

Ken Shilson, CPA, Founder and President of NABD, indicated the educational
program began with twelve dual track workshop sessions on Sunday afternoon and
Monday morning. Workshop topics included legal and regulatory matters, finding
the best employees, IRS audits, leasing, integrated system solutions, finding
the best customers, maximizing recoveries, telephone collection. - Working
Together Makes a Difference. The BHPH industry recently received some very good
news when California Governor Jerry Brown vetoed Senate Bill 956, which would
have adversely impacted BHPH operators in that state. Various BHPH industry
groups lead by NIADA including NABD, CAFA, IAFA, Drive Time and the California
Dealers Association, along with several independent dealers, formed a 'Coalition
to Protect Our Freedom to Drive'!! This victory would not have happened without
these collective efforts within our industry.

At our upcoming conference in Atlanta, Georgia on October 21-23, 2012 NABD has
invited industry leaders from various groups to discuss future legislative
efforts and to update operators on the changing legal and regulatory landscape.
The Conference will include an interactive panel discussion with these industry
leaders, a capital markets update, new important industry data and trend
informat. - BHPH Profit Opportunities Better Than Ever! What’s Holding YOU Back?
At a recent automotive conference I made a presentation that concluded with the
statement, that “in the low yielding economic environment of today, BHPH profit
opportunities have never been better.” In this article I will detail my reasons
for that conclusion. Plenty of New Customers – Experian Automotive now estimates
that over 20% of all used vehicle loans made during the quarter ending June 30,
2012 were with customers who had a 550 Beacon Score or less. About 16% of that
market was attributable to buy here, pay here.

Given the challenging economic environment of today, finding credit-challenged
“unbankable” consumers is no problem. Finding unbankable customers who will
repay their auto loans requires experience, education, and underwriting and
collection skill. Access to Capital – The capital markets are now opening and. -
The Changing World of Buy Here, Pay Here Today! HOUSTON, TEXAS – The National
Alliance of Buy Here Pay Here Dealers (NABD) today announced the details for its
annual East Coast Buy Here Pay Here (BHPH) Conference on October 21-23, 2012.
The conference will again be held at the Georgia International Convention Center
(GICC) and adjoining Atlanta Airport Marriott Gateway hotel. These outstanding
facilities are linked to the Atlanta Hartsfield airport by a dedicated sky train
so attendees will not need ground transportation.

The agenda this year will focus on the numerous new developments which are
occurring in the BHPH industry, and the conference theme is appropriately
entitled, “The Changing Word of BHPH Today!” explained Ken Shilson, NABD
President and Conference Chairman. Highlights include a legal and regulatory
update, interactive sessions with new capital providers, and all the latest new
technology which. - NABD Announces BHPH Boot Camp August 18-19, 2012. Houston,
Texas – The National Alliance of Buy Here Pay Here Dealers (NABD) announced
today that they will hold a BHPH boot camp in Monroe, North Carolina (a suburb
of Charlotte) on August 18-19, 2012. The boot camp will provide hands-on
training for attendees who are entering the industry, and those who have limited
or no experience.

All of the training sessions will be held at the facilities of iCars which is
owned and operated by Ingram Walters and is one of the nation’s most successful
BHPH operations. “This boot camp will allow attendees to actually see and learn
about the BHPH best practices at the same time,” said Ken Shilson, CPA and NABD
founder. “We have constructed a comprehensive agenda which will address all of
the key financial and operational aspects of running a successful BHPH
business.” All training sessions will be conducte. - Get the Latest BHPH
Benchmarks. Houston, Texas – May 2, 2012 - The National Alliance of Buy Here Pay
Here Dealers (NABD) today announced the completion of it annual benchmark
information. These benchmarks are a composite from “best performing” dealers and
twenty group members of NCM Twenty Groups. In addition, information on losses
and portfolio performance metrics are provided by subprime portfolio analysts
and consultants at Subprime Analytics, PC.

The latest benchmarks include information on profitability, sales, collections
and recoveries and inventory management, as well as important industry trend
information. At the Fourteenth Annual NABD National Buy Here Pay Here Conference
on May 16-18, 2012, NABD President, Ken Shilson, CPA and NCM Moderator, Brent
Carmichael will discuss these benchmarks and industry trends with attendees who
will receive a complete copy. In addition, Ken Shilson will e. - The NABD Buy
Here, Pay Here Hall of Fame.

Success in the buy here, pay here industry is best measured over many years and
not over shorter intervals. It should be based upon a lifetime of work and not a
single year.

It is now the time in our industry to recognize our leaders. The individuals who
have contributed to the growth and emergence of buy here, pay here, have
demonstrated successful entrepreneurship, possess high moral character,
integrity, and who have made significant contributions to their communities
deserve recognition. Today, NABD will recognize two such leaders during our
“Hall of Fame” induction ceremonies. Their entrepreneurial success and personal
attributes distinguish them as leaders in our industry who deserve this special
recognition. Their past contributions should be remembered and acknowledged.

We deeply regret that one of these inductees could not be here and is inducted
posthumously. - BHPH 2011 – In the Rearview Mirror.

With 2011 now behind us, it is worthwhile to look back at several significant
developments which will likely impact the Buy Here, Pay Here (BHPH) industry for
several years in the future. In 2011, Experian Automotive determined that
approximately 24,000 BHPH dealers nationally financed nearly 15% of all used
vehicle sales. These new statistics are important for two reasons: It represents
a very credible estimate of the size and breadth of the BHPH marketplace (well
done, Experian!), and These estimates show how significant BHPH has become to
used vehicle financing in America. Millions of unbankable consumers depend on
the BHPH industry to provide them with the transportation they need to work and
live. This segment will continue to grow if not otherwise constrained by adverse
regulation. Speaking of regulation, 2011 saw the creation of the Consumer
Financial Pr. - Learn From Your 2011 Losses – Don’t Repeat Them!

With the close of another year, most Buy Here, Pay Here (BHPH) operators will
evaluate last year’s performance by comparing their results with the past. Most
often, these comparisons consist of identifying the changes between the last two
years for the following: number of units sold, gross sales revenues (in
dollars), outstanding dollars in their installment portfolio, and net income.
Although I acknowledge that these are the typical financial barometers used for
measuring BHPH performance, none of these, individually or collectively, tell
how prudently the company managed portfolio risk which affects their future
performance. For the last eight years, I have performed computerized analysis of
BHPH installment portfolios for operators from coast to coast and Canada. These
analyses are equivalent to giving each portfolio an “MRI”, and now include more
than 900,000.

- National Alliance of Buy Here, Pay Here Dealers Announces New Program To
Improve Operators’ Bottom Line. Skips to Cash Program Helps Dealers Locate,
Recover and Liquidate Bad Debt Skips Houston, Texas, February 28, 2011- National
Alliance of Buy Here, Pay Here Dealers (NABD), a special interest group
organized for the betterment of the automotive industry, today announced a new
technology program, Skips to Cash, designed to assist NABD operators nationwide
in locating, recovering, and liquidating of bad debt skips. The Skips to Cash
program is facilitated by All Technology Recovery (ATR) and utilizes alliances
with Digital Recognition Network (DRN), Recovery Database Network (RDN),
OPENLANE, and Locater USA.

Through professional recovery agents, including members of American Recovery
Association (ARA), the Skips to Cash Program will utilize DRN’s state-of-the-art
LPR 2.0 technology to help locate collateral and use professional recovery
agents to recover the vehicle. 11.30.-0001 - Less Than 6 Weeks Until the Dealer
Academy! See Highlights From Last Year. The National Alliance of Buy Here Pay
Here Dealers (NABD) and Cherokee Automotive Group (CAG), the publishers of Auto
Remarketing and SubPrime Auto Finance News will combine forces to launch the
BHPH Report for the industry later this month. This effort will capitalize on
the joint strength of NABD and CAG to provide a powerful digital publication and
supporting media assets that will serve to benefit operators (franchise and
independent), vendors, owners, and executives involved in the BHPH industry.

“NABD believes that the BHPH industry wants and needs a publication devoted
exclusively to this important segment of the auto industry,” said Ken Shilson,
NABD founder. “We look forward to working with Cherokee Automotive Group on this
joint Report. We ask BHPH operators and industry product and service providers
to help provide quality content and timel. 11.30.-0001 - NIADA Acquires Assets
and Operations of NABD. Merger Creates Succession Plan for NABD and a Combined
Mega-Conference for the Used Vehicle Industry Arlington, Texas (Dec. 20,
2017) -- The National Independent Automobile Dealers Association has acquired
the assets and operations of the National Alliance of Buy Here-Pay Here Dealers
and will merge NABD’s conference and educational services into those of
NIADA. NIADA closed on the acquisition Dec. 14, completing more than two years
of review, strategic discussions and due diligence. The merger provides a
succession plan for NABD, founded in 1998 by Ken Shilson. “We are thrilled to
formally join forces with Ken Shilson, Ingram Walters and the entire NABD team
as we move forward together with a long-term NABD succession plan,” NIADA CEO
Steve Jordan said. “NABD has provided a strong voice and specialized educational
resources to more than 14,000 m.

11.30.-0001 - NIADA Acquires Assets and Operations of NABD. Merger Creates
Succession Plan for NABD and a Combined Mega-Conference for the Used Vehicle
Industry Arlington, Texas (Dec. 20, 2017) -- The National Independent Automobile
Dealers Association has acquired the assets and operations of the National
Alliance of Buy Here-Pay Here Dealers and will merge NABD’s conference and
educational services into those of NIADA. NIADA closed on the acquisition Dec.

14, completing more than two years of review, strategic discussions and due
diligence. The merger provides a succession plan for NABD, founded in 1998 by
Ken Shilson. “We are thrilled to formally join forces with Ken Shilson, Ingram
Walters and the entire NABD team as we move forward together with a long-term
NABD succession plan,” NIADA CEO Steve Jordan said. “NABD has provided a strong
voice and specialized educational resources to more than 14,000 m. - New Web
Resource For Capital. FOR IMMEDIATE RELEASE CONTACT: Ken ShilsonDecember 7, 2017
832-767-4759 ken@kenshilson.com Receivables Management Association Launches
Program to Match Buy Here, Pay Here Dealers with Certified Debt Buyers December
7, 2017 (Sacramento, CA) – Receivables Management Association International
(RMA) has launched a program to better serve buy here, pay here dealers seeking
liquidity. Auto dealers often explore remedies for distressed or defaulted
accounts; selling accounts to one or more debt buyers has proven to be a
preferred option for many dealers. In the past, RMA has provided sellers a list
of its Certified debt buyers, and while this option is still available, it may
be less efficient for sellers.RMA has launched a new program in order to
streamline this process between originating creditors and.

- What Buy-Here, Pay-Here Dealer Need to Know About October. By Doug Debolt,
'BHPH Marketplace' Two months ago, buy here, pay here car dealers from across
the country were preparing to descend on the Wynn in Las Vegas for the annual
conference of the National Alliance of Buy Here, Pay Here Dealers. Now, those
same dealers are hearing about another national NABD conference in Orlando this
October. The obvious question might be, “If I went to Las Vegas, why should I
consider going to Orlando?” According to Ken Shilson, president of the NABD,
that’s not the right question. Dealers, he says, should be asking themselves if
they can afford to not be in Orlando, especially given the competition and
profitability in the industry. Shilson says that the most profitable sector of
the auto industry right now is in the buy here, pay here world. “Over the last
couple of years we’ve seen Wall Street flood the market with a lot of c. - More
than 12 tech launches expected for NABD 2017.

By Nick ZulovichSenior EditorLAS VEGAS - Service and technology providers are
coming to this year’s annual gathering hosted by the National Alliance of
Buy-Here, Pay-Here Dealers armed with products that Ken Shilson insisted are
brand new and can help operators of all sizes immediately.Shilson highlighted
more than a dozen different companies are ready to launch a new solution during
the 19th annual National Conference. The NABD president explained why these
technology companies are coming to the Wynn/Encore in Las Vegas on May 23 to 25
with new tools ready for deployment.“The profitability in the auto business in
general is being squeezed, not just in buy-here, pay-here but in all segments,”
Shilson said. “They’re having to pay more to get a better vehicle because of the
competition. The cost of funds is going up. The cost of compliance is going up.
Those cost increases. - LEVERAGE Partners with PassTime GPS as its preferred GPS
vendor.

Contact: Kim Gay – Director, Communications 866.231.0545 ext. 1022, Mobile:
850.363.2287 kim.gay@lscu.coop www.twitter.com/My_LEVERAGE Partnership brings
together LEVERAGE and high-tech GPS tracking and automated collection technology
solutions BIRMINGHAM, AL/TALLAHASSEE, FL, Jan. 6, 2017 – LEVERAGE, the service
corporation of the League of Southeastern Credit Unions & Affiliates (LSCU),
which equips credit union partners with products and services to fulfill
day-to-day needs, announced today that it has named PassTime GPS as its
preferred GPS provider. PassTime is the industry leader in high-tech GPS
tracking and automated collection technology solutions for auto financing.

This technology will provide credit unions with a greater ability to grow more
members with added protection, improve member. - Two Major Developments Since
Last NABD Conference. By Nick Zulovich Senior Editor HOUSTON - It was just a
little more than four months ago that the National Alliance of Buy-Here,
Pay-Here Dealers hosted its annual convention in Las Vegas. However, Ken Shilson
emphasized that two significant developments have happened since NABD gathered
ahead of Memorial Day weekend, making its next BHPH Conference during the first
days of November all the more important for operators to attend. The conference,
whose theme is “Best Practices to Succeed Now,” is designed for both new and
experienced operators. The event that runs Nov.

1-3 at the Rosen Shingle Creek Resort in Orlando, Fla., will take a deep look at
what Shilson called one of the “most significant accounting changes buy-here,
pay-here operators will ever encounter.” That change is the American Institute
of Certified Public Accountants passing new cre. - MAJOR ANNOUNCEMENT: About Tax
Refund Services Tax Max. On Wednesday, November 2 at 9:15 a.m at the NABD
Conference in Orlando, Bill Neylan CEO/President of Tax Refund Services Tax Max,
will make a major announcement about this upcoming tax season that will affect
every BHPH dealership in the country. Neylan’s breakout session titled,
“Increasing Your Tax Refund Business – Make Tax Season Great Again”, he will
unveil news that will be a historic and dramatic change that affects taxpayers,
BHPH dealers and the IRS. All dealers are being urged to attend as this will
greatly impact every BHPH dealer in the industry.

Don’t let this tax season be a financial disaster. Attend the NABD and Mr.
Neylan’s session to be the first to hear the news, in addition to all the
answers and solutions about what to do for this tax season which is already
under way. - PassTime Enters Partnership with CDFS. For Immediate Release
LITTLETON, CO – September 20, 2016 - PassTime, an industry leader in GPS
Tracking Solutions, announced today a strategic partnership with Customized
Dealer Financial Solutions LLC (CDFS), which provides underwriting predictive
modeling and analytics to BHPH dealerships to help reduce their repossessions
and improve their profitability and cash flow. The partnership will focus on
cross marketing and promotion to benefits both firms’ current and potential
customers. PassTime, which has been in business for nearly 25 years offers
wireless GPS telematics products that are available for multiple sectors of the
automotive industry including new and used auto dealers, auto finance companies,
auto leasing companies, insurance companies and fleet transportation providers.

CDFS offers customers underwriting predictive modeling (UPM) through. - PassTime
and Verifacto Announce Software Integration Partnership. LITTLETON,
Colorado—June 9, 2016—PassTime®, a leading provider of GPS-based technologies
and Verifacto, a leading cloud powered risk management system for independent
car dealers, BHPH and auto finance companies announced today the companies have
completed a software integration project.

Customers utilizing both Verifacto software and PassTime GPS solutions will now
be able to perform a variety of device management functions directly within
Verifacto as well as utilizing custom insurance status features. “Verifacto has
built an innovative product solution that is unique to this market.

Adding them as an integrated software partner will be a great benefit to our
customers,” said Jerry Morgan, EVP of development for PassTime. PassTime’s
Buy-Here-Pay-Here and finance company customers have been using its GPS and
automated collection technology soluti. - NABD Prepares New BHPH Benchmark /
Trends Report! HOUSTON, TEXAS - The National Alliance of Buy Here, Pay Here
Dealers (NABD) today announced that it has finalized a new Benchmarks and Trends
Report containing information about subprime and deep subprime auto finance
performance for the year 2015. Ken Shilson, CPA, President and Founder of NABD,
stated, “This report is the most comprehensive look at the subprime auto finance
market we have ever done! I thank NCM, SGC Certified Public Accountants, and
Subprime Analytics who contributed financial and operating data for the
development of the report.

This is the eighteenth (18th) consecutive year we have compiled and issued a
report containing financial, operating, and loss metric information which can be
used by operators, capital providers, investors and others to evaluate
performance. - Navigating the Road to BHPH Success!

BHPH Webinar. Equifax is excited to host an event for auto dealers in Las Vegas,
NV just prior to this year's NABD Annual Conference. The event will take place
Tuesday morning from 9-12.

The forum will be an interactive discussion on today's subprime auto finance
marketplace. Discussions will include topics like: evaluating customer risk,
reporting customer credit and more!

Participants will discuss risk mitigation techniques and best practices, along
with ways to identify the best subprime customers and to report consumer credit
properly. Space is very limited, so click on the link below if you are
interested in participating: CLICK HERE TO EXPRESS INTEREST - PassTime Prevails
in Patent Validity Challenge. For Immediate Release LITTLETON, CO – March 2,
2016- PassTime, a leading provider of GPS and Payment Assurance Technology
solutions, is pleased to announce that the United States Patent and Trademark
Office invalidated the entirety of a patent owned by LunarEye and which was the
subject of a patent lawsuit claiming infringement by certain PassTime products.

The patent, 6,484,035, had claimed an apparatus and method for triggerable
location reporting and listed Alvin C. Chuck Allen) as the alleged inventor. In
its opinion of February 2, 2016, a panel of three judges of the Patent Trial and
Appeal Board for the United States Patent and Trademark Office ruled that
PassTime “has shown by a preponderance of the evidence that claims 1–24 of the
’035 patent are unpatentable” and entered an order that “claims 1–24 of U.S. -
Tax Refund Advances Are Back In 2016! December 1, 2015 By Chip WileyTax Max /
Tax Refund Services After 4 years on the shelf, the banking industry has revived
the Tax Refund Advance for 2016. This means that much needed funds are expected
to be in the hands of consumers in mid-January.

Many can expect up to $750 in 24 hours or less. Prior to 2012, customers became
accustomed to 24 hour refund loans. The old RAL (Refund Anticipation Loan) was
greatly frowned upon by the current administration in Washington. Consumer
protection advocates argued that the fees were too high and the APR was
unacceptable. The latest reincarnation has put all of these concerns to rest.
This is a win-win for both the dealership and the customer. Come January, many
of the new Tax Refund Advance products that are being proposed will come with
zero APR and zero applicatio.

- Attendees cheer NABD for latest conference. Tuesday, Nov. October 26, 2015 –
Today NABD President and Founder Ken Shilson announced that he will join other
industry leaders in meetings with the FTC, CFPB, and members of congress at the
NIADA Leadership Conference in Washington, D.C. “I am proud to represent NABD in
the BHPH industry at these meetings which will provide insights into the
regulatory challenges ahead,” Shilson said. Several of these leaders will also
participate in the NABD East Coast BHPH Conference in Orlando on November 3-5,
where updates will be provided along with cost effective ways to meet these
challenges during a Compliance University Track featuring prominent attorneys
and industry experts.

“NABD understand the operating and regulatory challenges ahead and our Orlando
Conference is designed to help operators more successfully solve these
challenges next year,” Shilson explained.&. - SUBPRIME ANALYTICS ANNOUNCES
PARTNERSHIP WITH VENCENTRIC, LLC.

OCTOBER 23, 2015? Today Houston-based Subprime Analytics, which provides
computerized portfolio analysis and metrics used to evaluate subprime auto
finance underwriting performance and practices, announced a strategic alliance
with Vincentric, LLC (“Vincentric”).

Vincentric provides data, knowledge, and insight to the automotive industry by
identifying and applying the different aspects of automotive ownership costs
using its proprietary “Dynamic Cost to Own” database. Ken Shilson, President of
Subprime Analytics and Founder of the National Alliance of Buy Here Pay Here
Dealers (NABD) indicated today that, “Our analytical services clients can now
determine the best vehicle for each customer for the entire life of a buy here,
pay here (BHPH) installment contract. In the highly competitive environment of
today, it is vi. - PassTime Announces TRAX 4: Its Newest Version GPS Tracking
Solution. LITTLETON, Colorado— October 2, 2015—PassTime® announced today that
TRAX 4 – the fourth version of its popular GPS tracking system – has been
released.

TRAX 4 boasts an all new design and a smaller form factor. TRAX was first
introduced in late 2010 as an easy to use GPS tracking solution. Now in its
fourth version, the platform continues to be a widely successful piece of
PassTime’s product offering. “PassTime continually works to bring our customers
new and innovative products. TRAX 4 is an update to an already great
product-with a smaller size and some new features. We think our customers are
really going to like it,” said Stan Schwarz, founder and CEO of PassTime.
PassTime, which has been in business for over twenty years, manufactures and
sells GPS devices used for subprime automotive lending, theft-recovery, and
vehicle.

- PassTime Named to Inc. Magazine’s 34th Annual List of America’s
Fastest-Growing Private Companies. NEW YORK, August 13, 2015 -- Inc.

Magazine placed PassTime on its 34th annual Inc. 5000, an exclusive ranking of
the nation's fastest-growing private companies. The list represents the most
comprehensive look at the most important segment of the economy—America’s
independent entrepreneurs. Companies such as Yelp, Pandora, Timberland, Dell,
Domino’s Pizza, LinkedIn, Zillow, and many other well-known names gained early
exposure as members of the Inc. “I would like to thank Inc. For the recognition
of PassTime. It's a tribute to the hard work and dedication of the executives
and staff who work at PassTime,” stated Stan Schwarz, CEO/Founder of PassTime.

The 2015 Inc. 5000, unveiled online at Inc.com and with the top 500 companies
featured in the September issue of Inc. (available on newsstands August 18 to
September 22) is the most competiti. - Ken Shilson Inducted into NIADA's Ring of
Honor.

Las Vegas (June 27, 2015) -- Longtime Black Book senior vice president and
editorial director Ricky Beggs and Ken Shilson, founder and president of the
National Alliance of Buy Here-Pay Here Dealers, have been named the newest
members of the National Independent Automobile Dealers Association's prestigious
Ring of Honor. Beggs and Shilson became the 25th and 26th auto industry leaders
to be inducted into the Ring of Honor, NIADA's highest award for non-dealers.
The awards were announced during Wednesday's National Leadership Awards Banquet
at Caesars Palace in Las Vegas, part of the 69th annual NIADA Convention and
Expo. NIADA's Ring of Honor recognizes allied industry leaders who have
contributed to the professionalism and growth of the automobile industry through
outstanding performance and leadership. Beggs served as the voice. - CFPB Issues
Flawed Examination Procedures. July 2015 By L.

Jean Noonan* On June 10, the Consumer Financial Protection Bureau published its
final 'larger participant' rule, which allows the agency to supervise larger
nonbank auto finance companies for the first time. At the same time, the CFPB
announced that it updated its Supervisory and Examination Manual to provide
guidance on how the Bureau will monitor the bank and nonbank auto finance
companies it supervises. Examiners will use the new Automobile Finance
Examination Procedures to assess potential risks to consumers and determine if
auto finance companies are complying with requirements of federal consumer
financial laws. Because these Procedures will be the road map for examinations
of auto creditors, it is critically important that the Procedures accurately
state an auto creditor's legal obligations. Unfortunately, the Procedures fall
short in several way.

- Payment Assurance Providers React to Loss of 2G Networks. - NextGear Capital,
Inc., the largest inventory finance company in North America, recently announced
that it has added Kelley Blue Book® Values to its myNextGear web and mobile
applications. As a result of this integration between the two Cox Automotive
business units, NextGear Capital customers can now receive current
market-reflective values at no additional cost for new and used vehicles 'By
continually adapting the way we put information in front of our customers, we
can offer them greater flexibility in how they do business,' said Bryan C.
Everly, chief technology officer with NextGear Capital. 'We are constantly
challenging ourselves to make our product better, and that includes providing
cross-platform functionality with other Cox Automotive solutions.' -
Garage/Liability Insurance for the Buy Here Pay Here Dealer.

For car guys and gals, insurance is a lot like compliance; we hate to deal with
it, but we know we have to. Those who have been operating for a number of years
have a pretty good idea of what they need to look for in a garage policy and
generally shop their coverage annually. For those that are new to the business
or haven’t dealt with the insurance side of things much before, this can be a
very daunting task. Every state and every dealer are going to have requirements
specific to them based on state law and the dealer’s tolerance for risk.

This article is meant to give you a basic idea of what to look for in a policy.
Liability/Auto — This generally deals with test driving or when your covered
employees are driving your vehicles. This covers medical. - 6 New Sessions Added
to Next NABD Conference. By BHPH Report Staff HOUSTON — The National Alliance of
Buy-Here, Pay-Here Dealers is gearing up for its annual signature gathering, May
19-21, at the luxurious Wynn Resort in Las Vegas. The 17th annual BHPH
Conference has new sessions and what NABD is calling the largest exhibit hall at
an industry event. NABD structured the event to be designed for both new and
experienced operators who want to be more successful in the competitive subprime
auto finance market of today.

The conference theme is “The Very Best of Buy Here Pay Here,” and the conference
features many of the nation’s most successful operators and industry experts.
The three-day event begins on May 19 at the Wynn in Las Vegas. NABD founder and
conference chairman Ken Shilson gave a rundown of what’s new for this year’s
conference, including.

- Heasley Forms Nationwide Dealer and Financial Services Agency! Lumberton,
North Carolina- Rod A. Heasley, a 37 year auto Industry veteran announced the
formation of KISS Concepts Group, a master agency serving independent agents of
the automotive and prime and sub-prime finance industry throughout the United
States.

Corporate headquarters are located in North Carolina with the operations office
in Fort Worth, Texas. (12) Twelve affiliate offices have been established in
Alabama, California, Florida, Georgia, Kentucky, Michigan, New Jersey, North
Carolina, Ohio, Pennsylvania, South Carolina and Virginia. KISS (short for “Keep
It Simple Successfully”) offers new and unique programs in the automotive,
subprime and prime finance industries as well as auto sales training and
dealership consulting services nationally, including BHPH. “ KISS Concepts Group
is the master agency nationally for new and excit. - BUY HERE, PAY HERE INDUSTRY
BENCHMARKS / TRENDS 2014. 2014 BUY HERE, PAY HERE YEAR-END REVIEW & A LOOK
AHEAD! The National Alliance of Buy Here, Pay Here Dealers (NABD), with the help
of SGC Certified Public Accountants (SGC), annually prepares buy here, pay here
(BHPH) financial benchmarks from a database of their clients nationwide.

These financial benchmarks are a composite of the “best performing” operators
and are not an average of their entire client base. Since 2006, the NABD
benchmarks have also included operating information on sales, collections and
recoveries, and inventory management, developed and supplied by NCM® Associates
“Twenty Groups” and based upon a composite of all of their BHPH Group members.
The attached NABD benchmarks also include portfolio performance metrics compiled
electronically by Subprime Analyt.

- Hiring Buy Here Pay Here Salespeople That Produce – The Newspaper Ad. I’ll be
blunt; hiring candidates from a newspaper ad is not the most effective way of
finding the type of talent that can be molded into a productive salesperson.
However, there is a time and place for the newspaper or Craigslist ad, and in
this article, we are going to discuss how to make your ad as effective as
possible.Watch the video – Click here!First, we should set the correct
expectations. It’s highly unlikely you are going to find a seasoned, successful
salesperson through these types of ads. Salespeople that are already trained and
productive are likely making a significantly better income than what the average
BHPH dealer is going to be willing to pay them.So, we are really looking for
people that have the right temperament, work ethic, and confidence to be
receptive to our training program (because we are going to train them correctly)
and to fit in well with the cultu. - PASSTIME AND THE CAR FINANCE COMPANY
ANNOUNCE EXPANDED UK PARTNERSHIP. LITTLETON, COLORADO, USA — March 12,
2015—PassTime®, a leading provider of GPS-based technology solutions and The Car
Finance Company, Europe’s leading alternative finance lender, announced today an
exclusive agreement between the two companies that will bring 70,000 payment
assurance and telematics devices to the United Kingdom.

The deal will build upon an already successful relationship between PassTime and
The Car Finance Company, offering solutions and distribution in the United
Kingdom. 'PassTime has been supplying Payment Assurance and GPS devices to The
Car Finance Company since 2009 and it is been a real pleasure to work with a
company that recognizes the quality and features of the products that PassTime
designs and distributes worldwide. We are looking forward to supporting The Car
Finance Company's continued growth in the UK markets and we also hav. - Consumer
Financial Protection Bureau Accepted Standards for Asset Recovery Agencies.
RECOVERY INDUSTRY STANDARDS CHECKLIST o Current copy of all required and
applicable licenses oBusiness License (Repossession Agency) o City and State
Department of Transportation Towing License Verify with the issuing agencies to
verify the licenses are valid and in good standing o Industry Standard
Insurance: o 1 Million General Liability / 3 Million Aggregate o 1 Million Auto
Liability/scheduled Hired & Non-owned coverage o Adequate coverage to protect
your interests for Direct Primary, Gara.

- defi SOLUTIONS Debuts ESSENTIAL LOS for Automated Application Processing.
GRAPEVINE, Texas – defi SOLUTIONS, auto lending’s leading loan origination
software company, is proud to introduce the ESSENTIAL loan originations system
specially designed for lenders and Buy Here Pay Here dealers seeking an
affordable, simplified and automated Loan Origination process. ESSENTIAL offers
a pre-configured solution with the fastest implementation time possible. As a
lender’s needs evolve, ESSENTIAL customers can easily add on functionality
available by extending into the full defi LOS. However, the ESSENTIAL solution
meets all the typical application processing, bureau review, decisioning and
verification/funding processes a growing lender needs.

“defi’s ESSENTIAL LOS was the right fit for us,” says David Schneider, SVP for
Local Finance Company. “We have served dealers in South Florida for over 15.

- PassTime Device Helps Law Enforcement Rescue Woman, Arrest Alleged Abductor.
LITTLETON, CO – November 6, 2014 - A Philadelphia woman, whose abduction was
caught on tape, has been rescued - and her suspected kidnapper arrested, in part
with help from GPS of a PassTime device.

Carlesha Freeland-Gaither, a 22 year-old woman who was abducted on Sunday night
in Philadelphia, was rescued from the car of her alleged kidnapper, 37-year-old
Delvin Barnes, in a Jessup, Maryland, parking lot Wednesday afternoon, officials
said. The suspect’s vehicle had been located by law enforcement using the GPS
functionality of a PassTime device installed on the car. Law enforcement
narrowed in on the suspect after getting a tip from the ATF Office in Richmond,
Virginia which was investigating Barnes. After seeing surveillance photos, the
ATF believed the man may have been the suspect, said Philadelphia detectives.

After using the PassTime GPS devic.

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The first cover of Ramayan 3392 A.D. By Alex Ross Publication information
Schedule Monthly Format Publication date September 2006 - April 2007 August 2007
- (Reloaded) No. Of issues 8 8 (as of August 2008) (Reloaded) Creative team
Created by Written by, Artist(s) (Reloaded) Editor(s) (Reloaded) Volume 1 Volume
2 Volume 3 Ramayan 3392 A.D.

(formerly called Ramayan Reborn) is a comic book series published by based upon
the. It is written by, the art is by, and it is a brainchild of and. It features
a re-imagining of the historical classic in a post-apocalyptic future.

The story primarily deals with the last kingdom of humans who are fighting
demons () to survive. The series' prime protagonist is the human prince who,
alongside his brothers, aims to bring down the demon-lord. Contents • • • • • •
• • • • • Plot summary [ ] In the third age of mankind, the world, after a
nuclear third world war, is divided into two continents, Nark and Aryavarta. In
Aryavarta the last kingdom of humans exists inside a city called Armagarh. The
city is ruled by a council, the leader of which is a man by the name of
Dashrath. His four sons, Rama, Lakshman, Shatrughan and Bharat are sent by the
council to outposts of the kingdom to provide assistance.

Rama and Lakshman go to the docile region of Fort Janasthan while Bharat and
Shatrughan are dispatched to war-torn Khundgiri. At Fort Janasthan, Rama and
Lakshman are surprised to find a heavy regiment of Asuras attacking the fort.
After sustaining heavy losses and injury to Lakshman, Rama barters with the
enemy and surrenders so as to allow the Janasthanians safe passage while the
Asuras destroy the Fort. This act angers the council who then plead with the
gods that then subsequently punish Rama by banishing him into exile. After Rama
is exiled, the kingdom of Armagarh falls into disarray. Dashrath succumbs to his
death while Lakshman finds himself having to deal with assassination attempts
from rogue elements within the council that are aiming to cause an insurrection
within the kingdom. In order to obtain support, he goes to Khundgiri to try and
meet his brothers but on the way, he meets an old seer by the name of
Vishwamitra who instead takes him to Rama.

The seer, one of an exalted group of seven, convinces Rama (after showing him
the vision of a devastated future) to follow him on a quest to a mythical city
called Mithila. Upon reaching the forests of Dandakaranya (a place near
Janasthan), they are then told by an owl that the horde of Asuras that had
destroyed Fort Janasthan had been busy fighting and slaughtering all the beasts
of the region in the past few months. The Asuras, however, had also suffered
equal losses and only a handful amongst them had survived. Rama and his fellow
travelers then sprint towards Mithila in order to prevent further destruction.
At Mithila, they subdue the last remnants of the dispatched Asura force thus
saving the princess of the region, a woman by the name of Seeta who is gifted
with magical powers of nature.

Vishwamitra states that it is to be Rama's role to act as a protector to this
woman, a role that he refuses to take up. They are then attacked by three Asura
warriors (who are actually three of Ravan's children). In the battle, the three
warriors are killed thus earning the humans the ire of Ravan himself who then
arrives to destroy Mithila. Rama, Lakshman and Seeta flee through a secret route
while the king of the region, Janak, prepares to fight Ravan. On the other hand
a small faction of Armagarhian rebels led by the former prime minister Sumantra,
aims to bring down the conspiracy revolving around the House of Suryavansha
(Rama's clan). The sons of Dashrath are being eliminated one by one,
systematically.

Rama is exiled, Lakshman on the run, and Bharat lost in the battles of
Khundgiri. They find out the prime culprit Kalnemi, an Asura who is disguised as
a councilor in Armagarh. Bharat is held in captivity deep below in the mines of
Khundgiri. Sumantra, with his daughter and Shatrughan, release Bharat from his
prison, and they all go to Armagarh to bring down Kalnemi and his cohorts.

Kalnemi is killed by Bharat and the valiant prince assumes the role of the first
King of Armagarh, dissolving the corrupt council. Bharat vows that he will bring
back Rama and crown him as the true king of Armagarh, until then he will rule
over the great country. Ramayan 3392 AD reloaded [ ] The series is being
rehashed after the first arc consisting of eight issues. Now a new beginning
starts with writer Shamik Dasgupta and artist Jeevan Kang with the guidance of
celebrated writer/editor Ron Marz. The story continues after Rama, Lakshman and
Seeta escape from Mithila and are teleported to the wastelands of the far north.
Rama suffers from severe wounds and is at death's door. This new chapter will
soon be collected in a trade paperback called 'Ramayan 3392 AD Reloaded: Tome of
the Wastelands'.

Characters [ ] Note: The characters' names were taken from original Ramayan (to
whom the links go), but the description and information about them is created by
the story maker. • - Chief Councillor of the land of Armagarh. He is the father
of the brothers Rama, Lakshman, Bharat and Shatrughan. • - Dashrath's eldest son
and protagonist of the series. He is blue-skinned and according to, is linked to
a Loka, a different realm of existence, of which he is a Master. • - The leader
of the continent of Nark and a product of nanotechnology, Ravan was created by
one of the seven nations of the world during the 'pre-Mahavinash' period, in an
attempt to obtain an edge over the other six nations during the world war that
consumed the planet. • - Dashrath's third son and Rama's travelling companion,
Lakshman is described as strong-willed and warrior-minded as well as rash and
thoughtless.

• - Dashrath's second son, Bharat was sent to the region of Khundgiri where he
was manipulated by an Asura agent and captured. He later returns with the aid of
others and declares himself the Sovereign King of Amragarh, until Rama's return.

• - Dashrath's fourth and last son, Shatrughan is described as physically weak
but intellectually strong. • - The adopted daughter of King of and the daughter
of the Earth, Seeta is endowed with magical properties that enable her to
control and manipulate nature. Ravan wishes to capture her and use her powers in
order to understand the various emotions felt by living beings, especially
humans.

• - One of the seven seers, the great ancient ones, who takes Rama, Lakshman and
Guha to Mithila where he charges Rama with the task of protecting Seeta. • - A
fisherman friend of Rama, Guha travels with him to Mithila where he meets his
demise at the hands of an Asura. Themes [ ] This adaptation of the ancient epic
significantly changes the roles of many pivotal characters, which has been a
tradition through ancient Indian literature. The spiritual themes of the ancient
epic are in this case replaced by technological ones, often culminating in the
same situations. This may reflect the classical Indian belief that the history
of the universe repeats in cycles, eventually leading history to repeat itself
in similar yet alien ways.

Reception [ ] Ramayan 3392 A. Has met with mixed reviews from many sources,
particularly for its original take on the epic, and artwork. Collected editions
[ ] The series is being collected as a: • Volume 1: The Mahavinaash Age
(collects Ramayan 3392 A.D. #1-8, 196 pages, July 2007, ) • Volume 2: Reloaded -
Tome of the Wastelands (collects Ramayan 3392 A.D.: Reloaded #1-5, 144 pages,
April 2008, ) • Volume 3: Reloaded (144 pages, solicited for November 2008, )
Film [ ] will be working on a film version, with producing the adaptation. See
also [ ] • Notes [ ].

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