The BHPH Morning Show

In this episode, we're tackling the subtle yet stubborn issue of collection inefficiency in the Buy Here Pay Here world. Think of it as a slow drip from a leaky faucet—over time, those tiny leaks add up to a whole lot of lost dollars. We'll get real about spotting where the money is slipping through the cracks and how to tighten up those collection processes so your cash flow doesn't end up down the drain. We'll chat about practical ways to identify where those inefficiencies hide and share some clever tips to measure and plug those leaks. Expect a straightforward, slightly witty ride as we turn that slow drip into a steady stream of revenue.  Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

On this White Hat Wednesday edition of the BHPH Morning Show, Jim and Michelle sit down with Sage, their AI co-host, to share the story behind White Hat Way. Sage will interview Jim and Michelle LIVE about the original spark that inspired the movement, why creating a recognizable brand identity matters in the Buy Here Pay Here industry, and the vision for how White Hat Way can reshape dealer and customer experiences for the better. It’s a conversation about purpose, integrity, and the future of BHPH — all wrapped in a casual, morning-show style that listeners will enjoy. Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

On this week’s White Hat Wednesday, Jim Rhoads welcomes two special guests: White Hat Certified BHPH/LHPH Coach Ken Yang and Sage, the first White Hat–certified AI persona. Together, they explore what makes Sage different from everyday AI—how mission, story, brand, and archived digital content form the foundation for a persona built to serve dealers, communities, and consumers the White Hat Way. Tune in as the BHPH Morning Show audience gets a front-row seat to this milestone moment in ethical AI: the official introduction of Sage. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

On Wednesday we challenged BHPH dealers to stop flying blind and start facing their numbers head-on. Today, we’re putting that principle into action. In this Friday episode of the BHPH Morning Show, we reveal more ultra-fresh August charge-off and repo data straight from V8 Dealer Groups. No rumors, no outdated surveys—just the hard (and validated) facts. This is the real-time gut check the industry needs, and it might just shift how you think about portfolio health and operational strategy heading into the fall. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

Too many BHPH dealers are still flying by the seat of their pants, relying on gut feel instead of hard numbers. In 2025, that’s a dangerous game. This episode of White Hat Wednesday takes a hard look at the cost of running blind — from missed opportunities to sudden cash crunches — and shows why a true “gut check” means knowing your KPIs cold. We’ll connect the dots between operational clarity, long-term trust, and the sustainability that separates survivors from industry leaders. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

Are repos really up? If so, how much? As promised on this Friday episode, we cut through social chatter and publish the real August trendline across our V8 Dealer Groups: gross and net charge-off results, recovery rates, year-over-year, etc. No doom. No hopium. Just numbers, patterns, and strategies dealers can put to use today! 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

In this episode of White Hat Wednesday, we're diving into the headlines shaking up the Buy Here Pay Here world. From the wave of layoffs at Tricolor to a reported uptick in repos (with some) surfacing across social media, the news is hitting both dealers and consumers where it counts. We’ll unpack what’s happening, why it matters, and how dealers can read between the lines and prepare instead of just reacting to the noise. Expect a candid look at the state of the market, the challenges (and opportunities) on the horizon, and a reminder that street-level reality often tells the truest story. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

In this Friday episode of the BHPH Morning Show, we’re cutting through the excuses and shining a light on why your Related Finance Company deserves your attention today, not someday. Fresh off a conversation about an actual dealer's IRS problem, we’ll break down the practical realities that too many dealers put off until it’s too late. From the time it often takes to get established to the costly penalties of IRS procrastination, the clock is always ticking. We’ll also look at how RFCs can serve as an instrument to unlock growth capital and create opportunities for outside investment. Whether you’re weighing the first step or trying to avoid a last-minute scramble, this episode delivers clear signals that, for those who haven't invoked this critical tax strategy, NOW is the right time to act! 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392  Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.  

In this White Hat Wednesday episode, we explore how the White Hat Way’s Ten-Year Approach isn’t just a business strategy—it’s a philosophy that bridges generations. In the wake of personal loss, Jim and Michelle reflect on how their mothers’ legacies of care, resilience, and integrity inspire them to think long-term, not just in life but in business. Dealers who adopt the Ten-Year Approach aren’t only securing profitability today; they’re shaping a future that their children, employees, and communities can inherit with pride. This is about planting seeds that outlive us, ensuring that the next generation reaps the benefit of the trust we sow today. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

Is your portfolio really as solid as your balance sheet suggests—or are you counting on phantom dollars that will never show up? In this episode, we revisit and update a comparative tool that exposes how deal structures can quietly inflate receivables, giving dealers a misleading sense of asset value. In this LIVE Friday episode, we'll pull back the curtain on *“water”*—the hidden gap between what’s owed and what’s collectible—and ask the hard questions: Are you building a fortress of equity, or a mirage in the desert? Expect a blunt look at how down payments, trade allowances, and term structures can create false equity, why it matters for your cash flow and lender relationships, and what smart operators are doing to fix it before it sinks them. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

Over the past 18 months or so, repossessions and charge-offs have been on the rise across the BHPH landscape—putting a direct squeeze on dealers’ profitability and cash flow. In today’s episode, we unpack the numbers behind this trend, explore the operational and financial ripple effects, and discuss strategies to protect your bottom line. Whether you’re looking to strengthen collections, adjust underwriting, or preserve key banking relationships, this conversation will give you a sharper lens on what’s happening now and how to prepare for what’s next. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

In this episode, we take a fresh look at one of the oldest business tools in the book—the SWOT analysis—and show you how to make it work the White Hat Way. We’ll walk through how Strengths, Weaknesses, Opportunities, and Threats come alive when viewed through a trust-forward lens that values long-term relationships over short-term wins. You’ll learn how to identify the strengths that set you apart, the weaknesses that quietly erode customer confidence, the market opportunities waiting for ethical dealers to step up, and the external threats you can turn into advantages. Whether you’re a BHPH veteran or new to the business, you’ll leave with a practical, values-driven approach to building a business your customers, lenders, and community can believe in. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

In this episode of the BHPH Morning Show, we break down the latest regulatory developments shaping the Buy Here Pay Here landscape. Using the recent Credit Acceptance press release as a touchstone, we’ll explore what the CFPB’s withdrawal from litigation signals for the industry, how it might influence dealer operations, and where potential compliance pitfalls still lie. Whether you see this as a green light for BHPH/LHPH dealers or just a breather, we’ll unpack the opportunities and risks so you can make better-informed decisions for your dealership’s future. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

In this White Hat Wednesday episode, Jim Rhoads shares a deeply personal story sparked by the discovery of a dusty old shipping tube in a neglected storage unit. Inside? A hand-marked ranch country map from years ago—a symbol of integrity, earned trust, and the kind of legacy built not with contracts, but with character. Through the lens of his father's stories—negotiating land access with nothing more than a handshake—Jim explores what it truly means to be a person of your word in today’s business climate. This episode is a tribute to a legacy of trust, respect, and the quiet strength of doing things the right way. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

In this episode of the BHPH Morning Show, we’re joined by business partners and CPAs, Chad Martin and JP Bryan, for a deep dive into what it takes to stay lender-ready in a volatile banking environment. With more banks tightening up or stepping back, smart dealers are getting proactive—building polished loan packets, forecasting capital needs with precision, and lining up their “Plan B” before trouble hits. If you’ve ever found yourself scrambling for financing at the worst possible time, this could be the wake-up call you didn’t know you needed. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

What if AI could actually make customer relationships stronger? In this episode, Jim and Michelle break down what “coded compassion” really means—and how White Hat AI is being trained to serve people, not replace them. From operations to customer care, discover the upside of AI when it’s built with trust, empathy, and long-term thinking. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

It's time for a BHPH Pulse Report—a no-fluff roundup of what’s shaking up the Buy Here Pay Here and subprime auto finance world. From record-breaking delinquencies to tightening lender standards, and the digital/AI arms race in dealer ops, we’re breaking down the stories behind the stats. If you’re a dealer, lender, or industry partner trying to read the room—and stay ahead of it—this is the one to play in the meeting room or on the lot. Because knowing the pulse is how you keep your business alive. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.    

Dealers, if you’ve ever tried to explain your losses to a lender — or make sense of your own — you know how messy the data can be. Today we’re shining a light on a simple fix that could solve some of that: getting DMS providers to add a standard dropdown or radio button for charge-off reasons. It’s a small tweak with big-time potential. Better data means better loss analysis. Better loss analysis means smarter decisions, more trust from lenders, and access to capital that fits your portfolio. But this won’t happen without your voice. This White Hat Wednesday episode is a call to action for every dealer who’s tired of flying blind when it comes to portfolio performance. If we want cleaner data and stronger financial footing, it’s time to speak up — because DMS providers will listen and act when enough of us ask for it. Tune in, learn what’s at stake, and let’s push for industry-wide progress. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

In this deeply personal edition of White Hat Wednesday, Jim steps away from the usual playbook to reflect on the life and legacy of his mother—a woman remembered not just for her grace, but for the quiet grit that defined a generation. Set against the backdrop of a farm and ranch upbringing in western Oklahoma, this episode explores the salt-of-the-earth values that shaped not just a family, but the very foundation of the White Hat Way. From Southern elegance to red-dirt resilience, Jim connects the dots between a small town’s outpouring of love and the kind of long-game leadership that every BHPH dealer can strive to emulate. Whether you’re running a lot or leading a team, this one will remind you why how you show up matters just as much as what you do. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

On this Friday episode, we break down what the latest June 2025 consumer sentiment and spending data points really mean for Buy Here Pay Here and Lease Here Pay Here dealers and the customers they serve. While headlines shout “recovery,” the details tell a more complicated story—and for subprime operators, reading between the lines is critical. We highlight key findings from: The University of Michigan Consumer Sentiment Index**, which showed a surprising jump to **60.7**—the first rise in six months—but still nearly **20% below December levels**. The Conference Board’s Consumer Confidence Index**, where June’s drop to 93.0 (down from 98.4 in May) reveals underlying anxiety, especially in expectations for the future. U.S. Bureau of Economic Analysis (BEA) data showing a slight decline in consumer spending in May, despite prior modest gains—indicating a cooling trend that can't be ignored. Federal Reserve inflation expectations, showing short-term optimism (3.0% one-year outlook), but long-term caution still anchored. We also discuss behavioral shifts—more consumers buying less, switching to generics, and cutting back on travel—that paint a picture of cautious budgeting, even in households that 'appear' financially stable. For BHPH dealers, this episode offers strategic takeaways: Why "happy" consumers may still delay big purchases or stretch payments. What changes in spending priorities mean for inventory planning. How to rethink underwriting and follow-up in a consumer environment that's hopeful—but fragile. 👉 Whether you're on the lot or in the finance office, this episode helps decode where your customers’ heads—and wallets—really are. 🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392 Find the BHPH Morning Show on Video (Live or Archived) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more!  We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.