Finance source for smaller dealers

Any recommended 3rd party financing vendors? We are an extremely small independent dealer, but tend to traffic in higher priced vehicles $50k+. I don't mind treating financing as a customer service at the moment, as we just don't sell enough cars to put a ton of resources into F&I at the moment. We are in Colorado.
You may want to look into a relationship with the Credit Union of Colorado. They are on CUDL which you may not want to invest in. However, you may be able to establish an actual relationship with a local branch where you physically send customers to them or maybe they have some type of a Fax App System in place.

Ask a Developer! OpenSource information

So, Ai is just a percentage relation to words that come before and after.

Carsten,

Thanks for laying out the legacy systems so clearly. I’d like to introduce you to what’s coming next: AI that doesn’t just regurgitate old code or static patterns but actually “thinks” through problems.

Recent breakthroughs in large language models (LLMs) have moved beyond simple next-word prediction. Using techniques like chain‑of‑thought prompting, new models are now able to decompose complex problems into a series of intermediate reasoning steps before providing a final answer. In practical terms, models such as OpenAI’s o1 (internally called Strawberry) and DeepSeek’s R1 now solve challenging math, coding, and scientific tasks at levels comparable to human experts.

These models spend extra “thinking time” during inference—much like a chess player considering several moves ahead—allowing them to refine their strategies and even self-correct before answering. For example, on rigorous tests like the International Mathematics Olympiad qualifying exam, o1 has dramatically outperformed previous models. This isn’t just an incremental update; it represents a shift from “dumb” output generation to a dynamic, human-like reasoning process.

I know your expertise is rooted in the tangible aspects of our systems—microservices, APIs, and the cloud—but imagine integrating these smarter models into our architecture. They could help automate debugging, optimize code, and even assist in strategic planning by analyzing vast datasets in ways we never could manually.

I invite you to explore these advancements with me and consider how we might pilot these models in our projects to drive our next-generation innovations.

Below are several key references that outline these developments, along with summaries and their URLs:

  1. Chain-of-Thought Prompting Elicits Reasoning in Large Language Models
    This seminal paper by Jason Wei et al. introduces the chain-of-thought technique, showing how LLMs can be prompted to break down complex problems into step-by-step reasoning. This method has been crucial in unlocking improved performance on challenging tasks.
    URL: Chain-of-Thought Prompting Elicits Reasoning in Large Language Models
  2. OpenAI Launches New Series of AI Models with ‘Reasoning’ Abilities (Reuters)
    This Reuters article details OpenAI’s recent release of the o1 model (code-named Strawberry), which employs chain-of-thought reasoning to tackle complex problems in science, coding, and math—demonstrating a significant leap over previous models.
    URL: https://www.reuters.com/technology/...ies-ai-models-solve-hard-problems-2024-09-12/
  3. OpenAI Announces a New AI Model, Code-Named Strawberry, That Solves Difficult Problems Step by Step (Wired)
    Wired’s coverage explains how the new o1 model reasons through problems step-by-step—“thinking aloud” before arriving at a final answer. It highlights the model’s enhanced performance on advanced tasks and its potential impact on our industry.
    URL: OpenAI Announces a New AI Model, Code-Named Strawberry, That Solves Difficult Problems Step by Step
  4. OpenAI’s o1 Model is Inching Closer to Humanlike Intelligence – But Don’t Get Carried Away (Business Insider)
    This Business Insider article discusses how o1’s extended reasoning time allows it to achieve results that resemble human problem-solving, particularly in STEM fields, while noting that challenges like errors and hallucinations still remain.
    URL: OpenAI's o1 model is inching closer to humanlike intelligence — but don't get carried away
  5. What It Means That New AIs Can “Reason” (Vox)
    Vox provides insights into the significance of AI models that “think” before answering. It describes the internal chain-of-thought process that enhances the accuracy and robustness of outputs, as well as the dual-use risks associated with these advances.
    URL: What it means that new AIs can “reason”
Looking forward to your thoughts on how we can integrate these exciting advancements into our next steps.

Best regards,
GPT o3-mini-high

My New Adventure - Al West Nissan

Yesterday we started the process of eliminating all vendors. No, seriously. EVERYTHING. All 3rd party sites, Nissan Buy At Home, Nissan 3rd party leads, SEM, all of it. I want to know what Al West Nissan looks like completely naked so I know how much every piece we add back in the future moves the needle.
This is completely insane and I absolutely love it.

Ask a Developer! OpenSource information

In the car business, it is anything that came out in the past 10 years. Unfortunately, too many systems are handcuffed to languages that are many decades old.

As for AI, my post stated that newer coding languages can better work with it. It isn't that something cannot be done with older stuff. It is easier to utilize an AI with newer tech.

AI Shopping + Car Dealerships

Recently, an insurance company canceled my car insurance due to an error on a previous policy where I was a named driver, not the policyholder. The policy incorrectly listed two historical accidents as fault accidents, when they were non-fault. Although this has since been corrected, I now have to disclose on any new proposals that my insurance was refused or canceled. As a result, I'm noticing that my quotes for my other vehicles are higher. How much of this increase is due to this incident, and is there any compensation I can seek?

Sucks to hear that. Do you think this has to do with AI? <trying to get this back on topic>

Ask a Developer! OpenSource information

If I knew what you were aiming for, it's easier to reply so please consider that when I am writing all this.

There are many ways to answer this and you did an excellent job. One of the reasons our government's systems are so poor is because they never updated these systems. One part of an update means utilizing newer programming languages. In the case of our federal government, people who knew how to code in those old languages retired. The newer employees were told to just leave it alone and they'd contract on old guy to come do something if things got bad. Well, those old guys are dying. Good strategy!

There are also the limitations of some older things like PHP. And the old school ways of tabling data. Newer codes have better rendering, ways to be more precise with an object model, and can work with the latest stuff easier (like AI). The downside comes from trying to integrate with older systems. You may have to blend some stuff that takes some workarounds. Also, newer languages can get frequent updates, but those updates can come with broken parts.

To your point Carsten, those updates eventually sort things out.

What are the best ways of increasing your blog traffic?

Increasing blog traffic is essential for growing your online presence and building a successful blog. Here are some of the most effective strategies to boost traffic:
  1. Focus on Quality Content: Content is king. Make sure your blog posts are valuable, well-researched, and offer solutions to your audience's problems. High-quality content naturally attracts readers and encourages them to share it.
  2. SEO Optimization: Search engine optimization (SEO) is crucial for ranking high in search engines like Google. Use keyword research tools to target relevant keywords, optimize your content, and ensure proper on-page SEO (meta tags, header tags, internal links).
  3. Promote on Social Media: Share your blog posts on all relevant social media platforms (Facebook, Twitter, LinkedIn, Instagram, etc.). Engage with your audience and encourage them to share your posts, which will expand your reach.
  4. Guest Blogging: Writing guest posts for popular blogs in your niche helps you reach new audiences, build authority, and drive traffic to your site.
  5. Use Email Marketing: Build an email list and send out newsletters with updates, blog posts, or exclusive content. Email subscribers are more likely to return to your blog, increasing traffic over time.
  6. Leverage Pinterest: Pinterest is a powerful visual search engine, especially for blogs in lifestyle, fashion, food, and home improvement niches. Share eye-catching images linked to your blog posts to drive targeted traffic.
  7. Participate in Online Communities: Engage in communities related to your blog's niche (like Reddit, Quora, and niche forums). Provide valuable answers and subtly link back to relevant blog posts without spamming.
  8. Use Long-Tail Keywords: Long-tail keywords are less competitive but highly specific. Target these to capture niche traffic and increase your chances of ranking for those terms.
  9. Create Evergreen Content: Evergreen content stays relevant over time. Create how-to guides, tutorials, and resource lists that continue to provide value long after they are published.
  10. Analyze and Improve: Regularly monitor your blog’s analytics (Google Analytics, etc.) to understand which traffic sources work best. Use this data to refine your strategies and improve your content.
Remember, growing blog traffic takes time, but consistency and dedication will pay off. By implementing these strategies, you’ll build a steady stream of traffic to your blog.

ChatGPT - This is pretty awesome :)

AI-Enhanced Development: Key Gains in Speed, Code Quality, and Productivity
  • Speed
    • 55% Faster Task Completion: Developers using AI coding assistants solved tasks up to 55% faster.
    • 26% More Tasks Completed: Skilled developers completed 26% more coding tasks on average with AI assistance.
    • 38.4% More Frequent Iterations: Accelerated development cycles through 38.4% more frequent code compilations.
  • Code Quality
    • 53.2% Higher Test Pass Rate: AI-assisted code was 53.2% more likely to pass all unit tests.
    • 5% Fewer Review Revisions: Code required 5% less rework during review processes.
    • Enhanced Readability & Maintainability: Independent assessments showed 2–4% improvements in overall code quality.
  • Productivity
    • 13.5% More Code Commits: AI tools boosted weekly code commits by 13.5%.
    • Weekly Time Savings: Developers saved at least 2 hours per week, allowing more focus on creative and complex tasks.
    • Reallocated Effort: Freed-up time enabled developers to concentrate on system design, collaboration, and innovation.
Created with OpenAI's Deep Research: ChatGPT - AI Dev Efficiency Comparison

p.s. This data is months old! The gains keep on coming!

Sources:
  • GitHub Copilot productivity and quality studies (2024)
  • Large-scale enterprise research on AI assistance (MIT/Princeton/U.Penn 2024)
  • Developer surveys: Stack Overflow 2023–2024
  • JetBrains 2024 report
  • GitHub Octoverse 2024
  • Uplevel/CIO report on Copilot impact (2024)
  • and Dark Reading analysis (2025)

VUE Net - a backup for your DMS - pretty cool idea!

Hi Alex-

I am from Dominion and would be happy to answer any questions anyone may have about this new solution. For any one on one conversations, my phone is 937.999.7442 and email is bob.obrien@dominiondms.com.

Thanks for the recognition of a new cool product and the opportunity!

Bob O'Brien

Attachments

  • VUE+Net+Digital.pdf
    791.7 KB · Views: 3

VUE Net - a backup for your DMS - pretty cool idea!

I've had a few days to digest last week's RefreshFriday with Dominion DMS. I'm very impressed with their way of backing up your current DMS, so you can have a backup system in case something bad happens. Hackers are still out there and we still don't know exactly how things went down at CDK.

We mentioned on the show that this backup system should get to be better known in the marketplace. Well, :hello: DealerRefresh community - tell your CFOs and controllers there is an option to back things up. And feel free to post any questions in this thread. I bet we can find someone at Dominion who would be happy to answer anything.

Ask a Developer! OpenSource information

What are the pros and cons of outsourcing a development team?


Pros
Cheaper only pay for their time, not full time employees
Full team of devs and managers/directors
If they've done similar work can reuse code = less time.
Outside automotive Industry perspective. Auto vendors and dealerships typically are in the box copy cat thinkers.


Cons
Only that team fully understands it, if something breaks or want changes a new dev will have to spend a lot of time breaking down and learning what the code does.
Relying on their work load.
Hard to get in contact with dev. Usually layers of people to talk to in order to get to the one who is working on the project.
They have no vested interest once project is complete.
Less knowledgeable of your dealership.
  • Like
Reactions: Alex Snyder

#RefreshFriday Merchandizing - Someone is Launching a new Service | Joe Pistell

If you're a inventory/marketing dir, upgrade your comments with AI. Sample below:

1739304546839.png1739304572367.png
2021 Toyota 4Runner SR5 Premium
Looking for a reliable SUV that can handle both family adventures and off-road exploration? This CARFAX One-Owner 2021 Toyota 4Runner SR5 Premium delivers with its versatile Multi-Mode 4WD system and spacious third-row seating. Finished in sophisticated Magnetic Gray Metallic, this premium SUV combines rugged capability with refined comfort.

TOYOTA GOLD CERTIFIED
Enjoy complete peace of mind with Toyota Gold Certification, including a 7-year/100,000-mile powertrain warranty and 12-month/12,000-mile comprehensive coverage. Each certified vehicle passes a rigorous 160-point inspection and comes with complimentary roadside assistance. Plus, you'll have access to standard new-car financing rates and warranty service at over 1,400 Toyota dealers nationwide.

SAFETY
Your family's safety comes first with Toyota Safety Sense P, featuring forward collision mitigation, pedestrian detection, and Lane Departure Alert. Navigate confidently with the backup camera, while hill descent control and hill start assist provide extra security on challenging terrain.

COMFORT
The SR5 Premium package elevates your driving experience with SofTex leatherette upholstery and heated front seats. The power-adjustable driver's seat with lumbar support ensures optimal comfort, while the power moonroof adds an open, airy feeling to the cabin. Three rows of seating provide space for the whole family.

TECHNOLOGY
Stay connected with Apple CarPlay and Android Auto integration, while Dynamic Navigation helps you find the perfect route. The Premium Audio system delivers crystal-clear sound, and Wi-Fi Connect keeps everyone entertained. Dynamic Radar Cruise Control and Smart Key entry add everyday convenience.

FULLY RECONDITIONED
Our professional service team has thoroughly prepared this 4Runner with a comprehensive multi-point inspection, fresh oil change, and full interior and exterior detail. We've also installed new wiper blades and replaced both the cabin and engine air filters for optimal performance.

DOLAN IS HERE TO HELP
As part of our extensive Toyota SUV collection, this 4Runner is one of 24 choices available for your consideration. Our non-commissioned product specialists are here to help you explore all your choices without any sales pressure, focusing solely on finding the perfect vehicle for your needs.

DOLAN'S PRICE PROMISE
Shop with confidence knowing you'll always get the best deal. If you find the same vehicle at a lower price within 150 miles, we'll match it - guaranteed.

CALL NOW 1-800-324-2143 (tracker number)
Contact us today to experience the difference of pressure-free car shopping with Dolan Auto Group.
  • Like
Reactions: Alex Snyder

ChatGPT - This is pretty awesome :)

@Carsten, Look around, its changing at light speed. Here is my Slack message to my dev team to start our week:

I must stress to both of you that the evidence of AI acceleration is every where.
AI powered Coding will empower productivity to make senior coders superhuman. Mastery of AI prompting and “command of the domain” is where the real money making will be.
The automotive retail universe is filled with legacy technology that is easily 20 years old. AML‘s LLM centric platform is exactly at ground zero of this new era. I fully expect that the work of a tiny team of domain experts coupled with bleeding edge AI dev tooling can do the work of 50 cube workers.
Buckle your seat belts. It’s gonna be one hell of a ride.

ChatGPT - This is pretty awesome :)

IMO, Claude is amazing.
I’m using it head to head with GPT. Claude is improving WITHOUT “new product” announcements. Claude is in bed with Amazon's AWS.

"Claude AI was founded by Dario Amodei and his sister Daniela Amodei, who were both previously high-ranking researchers at OpenAI, with Dario serving as the Vice President of Research; they left OpenAI to establish Anthropic, the company behind Claude, with a focus on developing AI systems prioritizing safety and alignment with human value"

ChatGPT - This is pretty awesome :)

Deep Research is a GIANT upgrade to AI, you can find this feature at perplexity, ChatGPT and google Gemini. It creates an 'agent' that reads your request, asks you questions to improve it's understanding, then it becomes a web searching machine.

Heres some AutoMagic Labs research: ChatGPT - Car Shopper JTBD Scoring

It 'thought' for 6 mins before it put out any info. For this post, I asked it for this list:

Citation Count Summary​

    1. AutomotiveMastermind: 3 citations
    1. Kelley Blue Book (KBB) Study: 2 citations
    1. Dealer Inspire (Cars.com): 6 citations
    1. Dealer.com (Cox Automotive) – Accelerate My Deal: 5 citations
    1. DealerOn – Personalized Offers & Digital Retailing: 4 citations
    1. Sincro (Ansira) – AWA Awards Product Reviews: 4 citations
    1. Capital One Auto Navigator – “Wonder Why You Dread Car Buying?”: 3 citations
    1. Izmocars – “Decision Fatigue and Your Car Dealership”: 3 citations
    1. Brian Pasch AWA Awards – Sincro Websites: 2 citations
    1. Cox Automotive – CDK Global Roadster Digital Retail: 2 citations
    1. Barry Schwartz – “The Paradox of Choice”: 2 citations

My New Adventure - Al West Nissan

@BillVaughnAlWestNissan You know this but KILL THE CANCER FAST.

Many ppl that hate change and 'like it the old way'. There will be sales reps that will be 'passive aggressive' talking shit behind your back. They can't help themselves as 'misery loves company' and they look for anything negative and then amplify it.
  • Like
Reactions: Chris Cachor

My New Adventure - Al West Nissan

I actually stole the idea from a dealer on a CDG podcast. I'm not smart enough to come up with my own ideas, but I'm smart enough to know that I'm not smart, so I just steal good ideas instead. Ha.
That's why I'm following along here! Hoping to steal some.

My New Adventure - Al West Nissan

I allotted the salespeople a set amount of funds that they are able to use monthly to provide the best guest experience possible. They can use those funds for whatever they want from covering surprise after-the-sales issues or just order someone DoorDash if they get held up in finance.
This is a great idea - how are you coming up with amounts for them?

Congrats on your new journey - excited to follow along!

Filter