Dateline: NH

Driving New Hampshire Forward
December 2014
Volume 37, Issue #11
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
Andy Crews Nominated for
TIME Magazine Dealer of the Year, p. 3
Workers’ Compensation Rates
Hold Steady, p. 4
Election Cycles and Recycles, p. 5
NHADA Business Expo & Partner Expo, p. 14-15
Photo by Pete McNamara
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
2014-2015 NHADA OFFICERS
Chairman
Chris Weiss
1st Vice Chair
Bill Gurney
Treasurer
Ken Plante
Secretary
Michael Kopp
President
Peter J. McNamara
2014-2015 NHADA DIRECTORS
Andy Crews, Immediate Past Chairman
Marc Bourgeois, Franchised/Independent, At-Large
Miles Cook, Franchised, At-Large
Michael Cooney, Independent Used Car
Larry Foss, Franchised, At-Large
Chelsey Gaudet, NextGen
Don Goulet, Independent/Repair/Service, At-Large
Roger Groux, Franchised, At-Large
David Hammer, Franchised, At-Large
Paul Holloway, Honorary
Jim Lagana, Heavy Duty Trucks
Doug Miles, Franchised, At-Large
George Mullin, Motorcycles
NADA DIRECTOR
Dennis Gaudet
***
This publication is designed to provide accurate and
authoritative information in regard to the subject
matters covered. In publishing this newsletter, neither
the authors nor the publisher are engaged in rendering
legal, accounting, or other professional services. If legal
advice or other expert assistance is required, the services
of a competent professional should be sought.
Advertisements appearing in
Dateline: NH do not indicate
a specific endorsement by NHADA
of the products or services unless
the NHADA endorsement symbol
appears with the advertisement.
NHADA
ENDORSED
Published monthly except in July in Bow, New
Hampshire, by the New Hampshire Automobile Dealers
Association. Mailing address: P. O. Box 2337, Concord,
NH 03302-2337, 603-224-2369/
800-852-3372.
STAFF
Publisher
Chris Weiss
Editorial Director
Peter J. McNamara
Managing Editor
Nathaniel Stout
Design and Layout
Advertising Coordinator
Lisa Lavoie
Photographer
Michael Rosenblum
ADVERTISING RATES
Back Page:
Full Page:
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Color $1,000
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page 2
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New Members
Line-X of Merrimack Valley
1125 Route 3A
Bow, NH 03304
224-7792
Owner: Steven Owen
Key Collision of Rochester
10 Farmington Road
Rochester, NH 03867
436-5010
Owner: Anthony DiLorenzo
Millennium Motor Cars, Inc.
88 Morningside Drive
Laconia, NH 03246
494-8044
Owner: Brendan M. Florio
NHADA Gives Back
For the month of October, NHADA staff
collected new and used coats to donate to
the less fortunate. Staff partnered with
Apparel Impact; a local company whose
focus and mission include textile recycling
and community support. (Check out
Apparel Impact at www.apparelimpact.com. )
Joe Whitten, vice president of business
development at Apparel Impact, visited
NHADA and spoke with our staff about
the company and its mission during our
“Focus Friday” on October 31. Fifty seven
coats were collected from NHADA staff,
and Joe spent time explaining where and
how the coats would be distributed.
– Marta Silakka, Nurse Case Manager
Inside this Issue
Compliance
Reduce Common Title Errors and Stay Out of Hot Water..............................11
Departments
2014 Unemployment Rates by Area...............................................................18
Safety/OBD II Inspections Statistics...............................................................18
Title Statistics.................................................................................................18
Election
Cycles and Recycles..........................................................................................5
Environment
Hazardous Waste Generators..........................................................................13
Features
Andy Crews Honored as TIME Magazine Dealer of the Year............................3
Member Milestones........................................................................................12
NHADA Business Solutions & Partner Expo Pictures.............................. 14-15
NADA
New Study Refutes CFPB Position on Auto Lending......................................17
Workers’ Compensation
Workers’ Compensation Rates Remain Level....................................................4
December 2014
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
Andy Crews Honored as TIME Magazine Dealer of the Year
TIME
Magazine announced
on October 23 the
nomination of Andy Crews, president and
CEO of AutoFair Automotive Group and
immediate past chairman of the NHADA
Board of Directors, for the 2015 TIME
Dealer of the Year.
Andy is one of a select group of dealer
nominees from across the country who
will be honored at the 98 th Annual
National Automobile Dealers Association
(NADA) Convention and Exposition in
San Francisco on January 23, 2015.
“The dealers nominated for this award
are dedicated business owners, auto lovers
and, most importantly, champions for
their local communities, with a willingness to give back on a grand scale,” said
Tim Russi, president of Auto Finance for
Ally Financial, co-sponsors of the award.
Andy, 44, was chosen to represent the
NHADA in the national competition;
he is one of only 55 auto dealers from
17,000 nationwide nominated for the 46th
annual award.
“It is both humbling and rewarding
to know that for every single AutoFair
employee, there are probably two or three
other people in that employee’s family that
we now help to support,” Andy said.
A Georgia native, Andy graduated
from Tucker High School in Tucker,
GA, in 1988, and had his first contact
with the auto industry while working
at a service station at age 16. After high
school, he enlisted in the United States
Marine Corps, specializing as a mechanic.
He then entered the General Motors
Automotive Service Educational Program
and became a certified technician, earning
an apprenticeship and then a full-time job.
Andy would serve his country again when
he was called as a Marine reservist during
Operation Desert Storm, returning to the
December 2014
automotive business after his tour of duty.
His career advanced and took him to
different cities throughout the country as
he learned the automotive retail business
and rose through the ranks before he was
Andy Crews, 2015 TIME Magazine Dealer of the
Year.
named president and CEO of AutoFair
in Manchester.
A partner in the company, Andy leads a
dealer group with seven stores and a team
of nearly 600 employees.
“We are planning to grow our group
even more in the near future, and I really
look forward to continuing to ensure we
have a company where those who put
their faith in us can be rewarded with
good careers and opportunities,” he said.
Andy is also proud of his employees’
commitment to their communities. A
few years ago, his team began donating
proceeds of auto sales to help feed needy
families at Thanksgiving. “Over the years,
we have raised tens of thousands of dollars
and fed many people who would not have
had a holiday meal.”
Education is also at the forefront of his
charitable initiatives. He worked with the
mayor of Manchester to create the Make
the Grade program, which helps motivate
high school seniors to get better grades for
a chance to win a car. And he has worked
closely with New Hampshire’s community
technical colleges to ensure the students
are receiving the most advanced education
to become trained auto technicians.
Andy received an honorary degree from
Manchester Community College for his
good works. “Receiving the honorary
degree was rewarding because it allowed
me to speak directly to so many students
about my automotive career and about
TIME - continued on page 4
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Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
Workers’ Compensation Rates Remain Level
Pete Sheffer, Workers’ Compensation Trust Director
T
he NHADA Workers’ Compensation
Trust Board of Trustees (WCT) and
staff are very pleased to announce that
there will be no change in any of the
Workers’ Compensation rates again this
year; making 2015 the fifth year in a row
that the trustees have voted to keep rates
level.
The 2015 rates are, on average, 15.9
percent less than the 1992 rates. The
WCT strives to keep rates as low as
possible while ensuring that premium is
more than sufficient to cover claims and
administrative costs.
The WCT has been successful in
achieving this goal over the years and
has returned over $7.9 million dollars
in rebates to trust members. Individual
members may see increases or decreases
in their premium depending on their
claims experience. Those members
with poor claims experience will see an
increase in their experience modification
factor, which drives increases in premium.
Members who have experience modification factors less than 1.10, who are
experience-rated receive an 18.4 percent
discount.
In these challenging economic times,
the WCT works to keep workers’ compensation costs down. Nonetheless,
members must be diligent in their efforts
to reduce injuries by working closely with
the WCT Loss Prevention Department,
and when injuries do occur, members
must work closely with the WCT claims
department to keep claims costs down.
TIME – continued from page 3
how my hard work to learn all aspects of
the business helped lead me to the position I now hold,” he said. “But it was my
work as a mechanic and technician that
really got me on my way to a good career.”
Andy’s experience in the military has
inspired him to take part in Employer
Support of the Guard and Reserve
(ESGR). “I am immensely proud that the
company I helped grow and operate has
hired so many men and women who have
served our state and country,” he said.
“Their military experience makes them
excellent team members, employees and
AutoFair leaders.”
Andy lends his expertise on the boards
of numerous organizations, including the
American Cancer Society’s CEO’s Against
Cancer, Greater Manchester Chamber
of Commerce and Live Free or Die
Alliance, as well as regularly supporting
a host of charities, from New Hampshire
Food Bank to Boys and Girls Club to
the Manchester Animal Shelter to the
Children’s Hospital at Dartmouth.
He concluded, “It is hard to know the
full extent of our giving as a company, but
I know from experience that by helping
those in need, supporting our Veterans
and even leading the way with our greenenergy programs, we have improved the
civic life in our great state.”
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Andy and wife, Melissa, have two
children. He was nominated for the
TIME Dealer of the Year award by Pete
McNamara, NHADA president.
The TIME Dealer of the Year award
is one of the automobile industry’s most
prestigious and highly coveted honors.
Recipients are among the nation’s most
successful auto dealers who also demonstrate a long-standing commitment to
community service.
The award is sponsored by TIME in
association with Ally Financial, and in
cooperation with the NADA.
In its fourth year as exclusive sponsor,
Ally will recognize dealer nominees and
their community efforts by contributing
$1,000 to each nominee’s 501(c)3 charity
of choice. Nominees will also be recognized on AllyDealerHeroes.com, which
highlights the philanthropic contributions
and achievements of TIME Dealer of the
Year nominees.
A panel of faculty members from the
Tauber Institute for Global Operations
at the University of Michigan will select
one finalist from each of the four NADA
regions and one national Dealer of the
Year.
December 2014
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
Election Cycles and Recycles
Peter McNamara, NHADA President
E
very two years the NH House, Senate,
Governor, Executive Council and
the two congressional seats are up for an
election. This year one of the six-year US
Senate seats was also up for election. This
is a recap of NH’s 2014 election cycle; it
includes some recycled races and faces.
State Election Recap
For the third time in three election cycles,
the control of the NH House has swung
from one party to the other. When the
legislative session opens on January 7,
2015, the Republicans will control around
240 seats to the Democrats 160. This
represents a net gain of around 70 seats
for the GOP. The spoils of the GOP win
include the power of electing a speaker,
naming all the committee chairmen and
December 2014
the other leadership positions
join ranks with Democrats to
and the ever critical assignment
pick another person as Speaker...
of Representative Hall seating
not unheard of in NH, but
and parking spots. The Speaker
unlikely. Rep. O’Brien served
also controls the flow of debate
as speaker after the GOP last
and to which committees bills
took over the House in 2010.
are sent. Unlike many other
The House Democrats will
states though, all bills in NH Peter McNamara
be led by Rep. Steve Shurtleff
get a committee vote and a floor
(D-Penacook).
vote. In some states, a Speaker can kill a
T h e Se n a t e r e m a i n s i n G O P
bill on their own initiative through certain hands since they retained all 13 GOP
parliamentary moves.
seats and picked up one more with
By a four-vote margin, the GOP the defeat of Senator Peggy Gilmour
caucus chose Rep. Bill O’Brien (R-Mont (D-Hollis) in District 12 by Kevin Avard
Vernon) as their likely speaker over Rep. (R-Hillsborough). Senator Andrew
Gene Chandler (R-Bartlett). I say likely Hosmer (D-Laconia) who is with
because the official vote won’t occur until AutoServ Dealerships, narrowly won his
December 3. Theoretically, though un- seat in District 7 by a 150-vote margin.
Election Cycles – continued on page 6
likely, some disaffected Republicans could
page 5
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
Election Cycles – continued from page 5
Chuck Morse (R-Salem) will lead the
Senate again as president. Jeff Woodburn
(D-Dalton) will lead the Democrats as
the minority leader. Rep. Shurtleff and
Sen. Woodburn are both new to their
leadership posts with the retirement of
Rep. Terie Norelli (D-Portsmouth) and
Sen. Sylvia Larsen (D-Concord) who led
the House and Senate Democrats (respectively) for many years. Similarly, Morse
will pick the leaders of the committees
and the other leadership posts.
The Senate has five new faces with the
election of Jerry Little in Senate District
8 (R-Weare), replacing retiring Bob
Odell (R-Lempster); Dan Feltes in Senate
District 15 (D-Concord), replacing the
retiring Sen. Larsen; Regina Birdsell
(R-Hampstead) in District 19, replacing
the retiring Sen. Jim Rausch; and Gary
Daniels (R-Milford) in District 11,
replacing the retiring Sen. Peter Bragdon,
former Senate president; and Kevin Avard,
mentioned previously.
Senator-elect Daniels served for nine
terms in the House, chaired the labor
committee, and is an insurance agent.
Senator-elect Little served as the head
of the NH Bankers Association for
many years. Senator-elect Feltes was
an attorney for NH Legal Assistance
for eight years. Senator-elect Birdsell
served two terms in the House and is
a recruiter for the high tech industry.
Senator-elect Avard, served in the House
in 2010-2012 and founded the Center
Autex Mazda celebrated their
25th Anniversary with a vintage
car show. The event raised
$350 for the Make-A-Wish
Foundation and collected
food the Keene Community
Kitchen. This is the second year
Autex held this car show where
an unprecedented amount
of vintage cars participated.
Pictured is Tim Machunsky,
GM, Tom Bogar, dealer/principal (holding a resolution from
Senator Molly Kelly) and Hunter Bogar.
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for Redress of Grievances in 2012. All
are familiar with the operations under
the dome. The House has approximately
60 new faces, though not all are freshman as some served previously.
Gov. Maggie Hassan will return in her
second term as Governor after defeating
first-time candidate Walt Havenstein.
The Executive Council is controlled by
Republicans: four incumbents return (Joe
Kenney (R), Colin Van Ostern (D), Chris
Sununu (R), and Chris Pappas (D). Dave
Wheeler (R) returns to the Council after
a two-year break. He replaces the retiring
Deb Pignatelli (D-Nashua) who defeated
Wheeler in 2012.
NHADA will continue as it always
has — representing the interests of its
members, educating your elected officials
and keeping a watchful eye on the dome
in Concord.
Federal Election Recap:
U.S. Rep. Carol Shea-Porter (District 1)
faced off once again with Frank Guinta.
This was their third round, and Guinta
gets bragging rights by winning the
rubber match. In 2010, Guinta defeated
the then two-term Shea-Porter; in 2012,
Shea-Porter paid back the favor. Then
in 2014, Guinta again won the race. If
they keep this up, I think they need to
create some sort of trophy to take home
like the Little Brown Jug (Minnesota
v. Michigan) or the Golden Egg (Ole
Miss v. Mississippi). Suggestions are
welcome.
U.S. Senator Jeanne Shaheen won her
second term as Senator with the defeat
of Scott Brown, former US Senator from
Massachusetts. Anne McLane Kuster
also won her second term with the defeat
of Marilinda Garcia, a state Rep. from
Rockingham. I expect that we will be
seeing Garcia’s name in the future.
December 2014
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
The 2015 NH Legislative Session Is On Its way
Daniel Bennett, Vice President of Government Affairs
S
ince the November election
touch on many social policy
there has been a lot of progissues.
nostication both here at NHADA
As of the writing, 176 bills
and statewide about what type of
have been filed, but the fillegislation we will see from the new
ing period will likely remain
legislature.
open until January, so much
What will the budget look like?
more legislation on myriad
Will gambling be attempted yet Dan Bennett
issues may still to arise.
again?
In a typical legislative sesWill the university system receive ad- sion around 1,000 bills are filed. NHADA
equate funding?
closely watches between 100-150 of
What will be done to address the energy them, while keeping our ear out for other
crisis in NH?
statewide issues of impact.
Will the gas tax increase be repealed
Elected officials have been talking
despite such low gas prices?
about making changes to lower businesses
What, if anything, will be done to allevi- expenses due to high workers’ compensaate business taxes in the state?
tion costs. Of course, the NHADA will
And none of these questions even be heavily engaged with those discussions.
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A great deal of attention is already
being give to the budget process with
the goal of ensuring state agencies have
responsible and appropriate resources.
We will follow that process closely
with a keen eye toward seeing that our
partners, the Department of Safety
and Division of Motor Vehicles, are
adequately funded.
Two bills are already filed pertaining
to motor vehicle safety inspections and
repealing last year’s distracted driving law.
NHADA will be all over these two legislative initiatives, like playing defense on the
grid iron. Safe roads and a safe motoring
public in NH are a main priority for us.
As always, true to our mission,
NHADA will work to protect and
Legislation – continued on page 8
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December 2014
page 7
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
Members Can Help Reduce Workers’ Compensation Medical Costs
Pete Sheffer, NHADA Workers’ Compensation Director, and Marta Silakka, RN, BSN, WCT Nurse Case Manager
W
orkers’ Compensation (WC)
medical costs in New Hampshire
continue to climb at a greater rate than
inflation, driving the overall costs of WC
coverage. Indeed, since 1998, costs for
claims have increased 138 percent in NH
even while the frequency of injuries has
decreased by 41 percent.
Employers in NH and across the
country have increased their attention
to safety measures resulting in the
decreased numbers of reported injuries.
Yet employers, self-insured groups and
WC carriers still have little control over
the escalating costs of WC medical
care. What control we do have we must
Peter Sheffer
Marta Silakka
leverage to the best possible result.
Currently there is no fee schedule
in NH to help control WC medical
costs. Yet, 43 other states have such a
mechanism.
The Governor’s Commission to
Recommend Reforms to Reduce Workers’
Compensation Medical Costs, on which
NHADA congratulates Bob
Mariano of Bob Mariano’s
Chrysler Dodge Jeep RAM
as they celebrated their 25th
anniversary on May 18.
Pictured here with Bob is Senator
Sylvia Larsen as she presents a
Senator Resolution to him.
page 8
NHADA President Pete McNamara
serves, now is charged with writing a
report that was due by December 1
recommending solutions to the problem.
This is a great first step in recognizing and
addressing the problems of WC medical
costs.
Here at the NHADA, the Workers’
Compensation Trust (WCT) Claims
Department works to control the medical
costs associated with WC claims through
our managed care network and careful
review of billing.
WCT members have helped control
costs by ensuring that their employees
receive prompt and appropriate medical
Legislation – continued from page 7
advance the motor vehicle industry as an
integral part of NH’s economy.
Once again we will need your help during this session. Remember, our voice in
Concord is only as loud as yours back
home. And you can bet you will be hearing from us, and likely very soon.
If you have any questions on the
upcoming legislative session reach me at
dbennett@nhada.com or reach me by phone
at 800‑852‑3372.
December 2014
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
Workers’ Compensation – continued from previous page
treatment, which is key to successful
work-related injury outcomes.
WCT members participate in a formal,
managed care program through comp mc.
As part of this program, when members
and their injured employees call Nurse
Case Manager Marta Silakka, they are
assisted in choosing the best medical
provider based on the injury.
We have found that appropriate treatment for the vast majority of injuries
comes from occupational medicine
specialists. In NH, there are several occupational medicine facilities conveniently
located across the state. These facilities
will see patients immediately following
an injury without the long wait generally
associated with emergency room visits.
They provide excellent care at a fraction
of the cost of an emergency room visit.
The following is a cost comparison for
the initial injury treatment by both types
of providers as obtained through 2014
claims processed in our office:
• Minor back injury:
Emergency Room............... $2,400
Occupational Health............. $316
• Minor knee injury:
Emergency Room............... $1,120
Occupational Health............. $380
• Minor eye injury:
Emergency Room.................. $500
Eye Doctor/Occupational
Health................................... $245
• Minor finger injury:
Emergency Room............... $1,980
Occupational Health............. $468
• Minor laceration/hand or fingers:
Emergency Room............... $1,600
Occupational Health............. $370
In previous Dateline: NH articles, we
have written about when ER treatment is
appropriate and when it is not. Yet injured
workers continue to use the ER when
their injuries are better treated elsewhere.
A common myth exists that going to the
ER means “fast” treatment.
Most ER visits for minor injuries tie
up an injured worker for hours. If a coworker drives them, double the time lost.
In many instances, the treatment of even
minor work-related injuries will result in
the injured employee being taken out of
work pending follow-up with either an
occupational health specialist or another
specialty provider.
The high cost of ER treatment involves
more than just the cost of the care. It
results in lost time from work and, in
some cases, it is just a stepping stone to a
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December 2014
more appropriate provider that could have
been used from the beginning.
We have found that injured employees
typically use the ER for the following
reasons:
• The injured worker is unaware of the
mandatory managed care program;
• The injured worker doesn’t check in
with anyone in management prior to
leaving for treatment;
• The supervisor with whom the injured
worker checks in hasn’t been educated
regarding the managed care program
by upper management; or
• No call is made to the WCT when the
injury occurs and prior to the injured
worker leaving for treatment.
Communication can fix these problems.
Employees need to know what to do
and to whom to report to when they are
injured at work.
Supervisors require the same level of
training that management and human
resources professionals receive on the
process to follow after an injury occurs
in the workplace.
The easiest, best way to proceed
following a workplace injury is to
contact Nurse Case Manager Marta
Silakka prior to the injured employee
seeking medical attention. She can help
the injured employee find the most
appropriate medical treatment based
on the injury sustained.
The WCT Claims Department is
happy to provide training to your management and supervisory team. Contact
Rehabilitation Specialist Bernie Hecht, to
schedule training at 800‑852‑3372 or at
bhecht@nhada.com.
You can contact us at the same phone
number if you have questions or concerns
or email us at psheffer@nhada.com or at
msilakka@nhada.com respectively.
page 9
page 10
December 2014
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
Reduce Common Title Errors and Stay Out of Hot Water
Daniel Bennett, Vice President for Government Relations
H
ere is a friendly reminder from our
good friends and partners at the
NH Division of Motor Vehicles’ Title
Bureau: “reducing common title paperwork errors can make life a lot easier!”
This goes for your dealership, the town
clerk or registration agent, and the title
bureau. Below is a list of the common
mistakes or missing information that the
DMV encounters.
For a smooth title processing system,
ensure that all of your staff handling
title paperwork look out for accuracy on
these items: gross vehicle weight, prior
title numbers and state, model name
of vehicle, number of axles, number of
cylinders and driver’s license number.
Remember: owners need the original
registration to transfer plates.
Give the customer the original town
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you protect your best asset –
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clerk’s copy and owner’s copy of the title
application.
DMV also encourages you to ask about
the laser TDMV23B title applications —
they print on a laser printer and are not
intended for impact printers. If you need
a sample, they will send you a supply.
By paying attention to these critical issues, we can work with all of our partners
in the titling and registration process to
make things speedy and uninterrupted.
We all want quick turnaround time for
title work. Ensuring that information is
accurate is key in that process.
For questions do not hesitate to
contact me at dbennett@nhada.com or
800‑852‑3372 or the DMV Title Bureau
dealer help line at 603‑227‑4160.
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Contact Protective’s New Hampshire representative, George Spatt at 866 478 9242
Limited Warranty Products, Vehicle Protection Plans (VPPs) and GAP are backed by Lyndon Property Insurance Company in all states except NY. In NY, VPPs are backed
by Old Republic Insurance Company, Limited Warranty Products are backed by Western General Insurance Company and GAP is not available. Credit Insurance is backed
by Protective Life Insurance Company in all states except NY, where it is backed by Protective Life and Annuity Insurance Company.
December 2014
page 11
Compiled and designed by Lisa Lavoie
75 Years:
1939– gas 10 cents a gallon, average price of a new car $750, Franklin D. Roosevelt was
President, the first air-conditioned automobile is demonstrated in Chicage, the World’s
Fair opens in New York, regular television broadcasts begin in the US, The Wizard of Oz
and Gone With the Wind are released.
Weston Auto Body - Wolfeboro
50 Years:
1964– gas 30 cents a gallon, average price of a new car $3,500, Lyndon B. Johnson was
President, the first Ford Mustang is produced, President Johnson declares War on
Poverty campaign, Buffalo wings debut at the Anchor Bar in Buffalo, NY.
Bob & Sons Automotive, Inc. - Manchester
E W Sleeper Co., Inc. - Concord
25 Years:
1989– gas 97 cents a gallon, average price of a new car $15,300, George Bush was
President, Yugo declares bankruptcy in the middle of the NADA Convention, Microsoft
Office is released, Nintendo begins selling the Game Boy.
Autex Mazda- Keene (see page 6)
Bob Mariano Chrysler-Jeep-Dodge, Inc. - Concord (see page 8)
Cupples Car Company - Belmont
Henry’s Collision Center - Manchester
Port City Nissan - Portsmouth
Seacoast Harley-Davidson, Inc. - North Hampton
10 Years:
2004– gas was $2 a gallon, average price of a new car $27,958, George W. Bush was
relected President, The Red Sox wins the World Series and the Patriots win the
Superbowl, Facebook is launched, the Statue of Liberty is reopened to the public.
Crosstown Chrysler Jeep Dodge - Littleton
Derry Cycle, LLC - Derry
Dover Motor Mart - F.M., Inc. - Dover
Meineke Car Care - Dover
Motorsports 101 Inc. - Epping
Singer Subaru, LLC - Plaistow
page 12
December 2014
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
Belknap, Carroll, Coos, Grafton, Merrimack, & Sullivan County Hazardous Waste Generators:
SQG Self-Certification Due This Year
If your facility is located in Belknap, Carroll, Coos, Grafton,
Merrimack, or Sullivan County, and you are registered as a
Small Quantity Generator (SQG) of hazardous waste with
the NH Department of Environmental Services (NHDES),
your facilities self-certification form is due to the NHDES by
January 1, 2015.
You may remember this program from three years ago, though
the forms and information to be filled out may have changed
since the last time you were required to submit them.
The SQG self-certification program requires a facility that
generates small quantities (under 220 pounds a month) of
hazardous waste to complete a set of required forms once every
three years. The forms require a fee of $90-per-year for a total
submittal of $270, and each facility must verify and attest to
compliance with all of the applicable environmental rules and
regulations that affect each facility.
If you are a registered generator of hazardous waste with an
December 2014
active EPA ID number, you should have received your forms
in the mail. The NHDES mailed copies of the form to each
facility on or around October 1. If you are not in receipt of
your facility’s copies or do not receive them, you are required
to notify the NHDES; they will get them to you.
NHADA can assist you with the completion of the required
self-certification and notification forms.
The SQG self-certification process presents opportunities
and options for a facility to review and reduce the hazardous
waste generated at each facility. An advantage of this self-audit
for certain facilities is the potential of discovering that you no
longer need to comply with the rule, and ultimately reducing
your environmental regulatory burden, costs, and liability.
If you have any questions regarding your facility’s generator
status, this rule and its requirements or any other environmentally related issues, do not hesitate to contact me at 224-2369
or by email at dbennett@nhada.com.
page 13
NHADA Business Solutions Con
Wednesday, November 19, Radisson Hotel Manchester
BRONZE ASSOCIATION PARTNER
Upper Left (l to r): Mark Maguire and Mark
Powers of Automotive Garage Tools (AGT):
Mike Kopp of North Country Ford and
NHADA Board of Directors Secretary.
Automotive Equipment
Technical Institute (AETI)
Upper Right (l to r): NHADA President Pete
McNamara presents the day’s top prize, an
iPad Mini to raffle winner Walter Ferrara of
Ron Currier’s Hilltop Chevrolet.
EQUIPMENT SAFETY COMPLIANCE
PROGRAM SPECIALISTS
Left (l to r): Scott Ives of Belknap Subaru and
NHAD Services, Inc. Board of Directors
Chairman and David Quinn of Employer
Support of the Guard and Reserve (ESGR).
Scott had just pledged to support ESGR.
For more information, please
contact Mark Powers at
877-599-5438 or at
mpowers@autoeti.com
NHADA
ENDORSED
page 14
December 2014
nference and Partner Exposition
Photos by Nat Stout and Michael Rosenblum
BRONZE ASSOCIATION PARTNER
KeyBank
HELPING AUTO DEALERS SUCCEED FOR
MORE THAN 50 YEARS.
Upper Right (l to r): Jeff Burditt and Jake Crossett of Quirk Volkswagen, Buick,
Chevrolet NH, GMC; Ken Miller and Brian Berard of JPMorgan Chase Dealer
Commercial Services.
Upper Left: Ken Zwigart of American Financial & Automotive Services, presenting.
To learn more, contact
Richard DeFreitas at
857-205-2780.
KeyBank is Member FDIC.
Middle Left (l to r): Chris Moran and Tom Phoenix of Clean Harbors Environmental
Services; Mark Thibeault and Bill Gurney of Gurney’s Automotive Repair, Bill is 1st
Vice Chairman of the NHADA Board of Directors; and Dan Bennett, NHADA vice
president of Government Relations.
Lower (l to r): Dave McGreevy of Comcast Spotlight and Jeff Platek of Betley Chevrolet
who also serves on the Board of Directors of NHAD Services, Inc.
December 2014
page 15
page 16
December 2014
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
New Study Refutes CFPB Position on Auto Lending
Dennis Gaudet, NADA Director
A
new, comprehensive study of more
than 8.2 million loan records by
Charles River Associates concludes that
the method used by the Consumer
Financial Protection Bureau (CFPB) to
measure for discrimination in an auto
lender’s portfolio is “conceptually flawed
in its application and subject to significant
bias and estimation error.”
The peer-review study calls into
question the reliability of a testing methodology that the CFPB has used to level
allegations of unintended discrimination
against — and extract settlements
from — auto lenders and to pressure
auto lenders to change the way they
compensate dealers for originating finance
contracts.
The study, released in mid-November,
reviewed more than 8.2 million new- and
used-vehicle finance contracts issued
during 2012 and 2013, and measured
differences in dealer reserve paid by
minorities and non-minorities using
the CFPB methodology. Dealer reserve
represents the compensation that dealers
receive from lenders for their role in the
auto-financing process.
The study concluded that the CFPB’s
methodology frequently misidentifies
the background of consumers and
dramatically overestimates differences in
dealer reserve paid by different groups
of consumers. The methodology also
December 2014
fails to account for numerous factors
unrelated to the consumer’s background
that affect the amount consumers paid
for dealer reserve. The study further
explains that the CFPB’s examination
of differences in dealer reserve at the
portfolio level is meaningless because
it completely fails to account for legitimate reasons for pricing differences at
the retail level. These collective flaws
result in a testing methodology that is
inherently unreliable.
“This study shows that the CFPB’s
attempt to upend the auto lending process
is insufficiently informed and the victim
of flawed assumptions and inadequate
peer review,” said Peter Welch, president
of the National Automobile Dealers
Association (NADA). “Allegations of
potential discrimination are explosive and
certainly should not be made without a
reliable foundation in data.”
Currently, 136 members of Congress
from both parties — 86 Republicans
and 50 Democrats — have cosponsored legislation in the U.S. House of
Representatives to rescind the CFPB’s
2013 guidance that serves as the centerpiece of the bureau’s attempt to change
the highly efficient and pro-competitive
dealer-assisted financing model. The bill,
H.R. 5403, co-sponsored by Reps. Marlin
Stutzman (R-IN) and Ed Perlmutter
(D-CO), would also require transparency
and public input prior to the issuance of
future CFPB guidance in auto lending.
Both NH’s congresswomen, Ann McLane
Kuster and Carol Shea Porter, have signed
on as cosponsors.
The legislation came after dozens of
letters — from Congressional Democrats
and Republicans to the CFPB — urged
the disclosure of the CFPB’s testing methodology, which is lacking in the bureau’s
guidance. The CFPB repeatedly failed
to fully respond to the questions it was
asked, leading to the Stutzman-Perlmutter
legislation.
Dealers have also offered up an
optional program that addresses fair
credit risks. Based on a fair credit risk
mitigation model developed by the U.S.
Department of Justice in 2007 to resolve
fair credit investigations of two dealers,
NADA in January 2014 released its
comprehensive Fair Credit Compliance
Policy & Program. When implemented,
the NADA program documents those
instances when dealers discount interest
rates and ensures the discounts are for
legitimate business reasons, like meeting
a competitive finance offer.
BRONZE ASSOCIATION PARTNER
NBT Bank
INDEPENDENT COMMUNITY BANK
Interested dealers, please contact Tammy
Mantie at 203-6022 or email her at
tmantie@nbtbank.com.
Tammy Mantie
page 17
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
Safety/OBD II Inspections Statistics
2014 Unemployment Rates
by Area
Jul
Aug
Sep
United States
6.5%
6.3%
5.7%
New England
6.0%
6.0%
5.8%
Connecticut
6.8%
6.9%
5.9%
Maine
5.2%
5.2%
5.2%
Massachusetts
6.1%
6.0%
6.2%
New Hampshire
4.4%
4.3%
Rhode Island
8.0%
Vermont
4.0%
Safety
Inspection
Results
Oct ’14
Percent of
Total
YTD ’14
Percent
of Total
Total *
130,531
100.00%
1,320,014
100.00%
Passed
103,363
79.20%
1,046,355
79.30%
Corrected
15,048
11.50%
148,715
11.30%
4.0%
Rejected
7,610
5.80%
76,882
5.80%
7.8%
7.3%
Untested
4,510
3.50%
48,062
3.60%
4.0%
4.2%
Total
115,787
100.00%
1,163,272
100.00%
Passed
100,263
86.60%
1,004,755
86.40%
Rejected
10,223
8.80%
106,603
9.20%
Untested
5,301
4.60%
51,914
4.50%
OBD II Inspection
Results
(1996 and newer)
* Total numbers include OBD II Inspections
Statistics provided by Gordon-Darby
NHADA Mission Statement: Since 1921, fostering a spirit of cooperation by promoting
standards through education and advocacy, providing valuable services, and protecting and
advancing the motor vehicle industry as an integral part of New Hampshire’s economy.
Title Statistics Report Ending October 2014
New Hampshire Department of Safety, Division of Motor Vehicles
Oct ’14
Oct ’13
’14 YTD
’13 YTD
Titles Issued for New and Demo Vehicles:
11,798
10,381
104,857
95,865
Titles Issued for Used Vehicles:
22,356
19,943
199,613
185,440
TOTAL TITLES ISSUED:
34,154
30,324
304,470
281,305
Titles Issued with a Lien:
16,838
14,267
145,406
131,346
Titles Issued with no Lien:
17,316
16,057
159,064
149,959
Salvage Titles Issued:
1,054
683
10,002
9,051
Salvage Tags Issued:
154
173
1,665
1,753
Titles Issued for Heavy Trucks More than 15 Years Old:
Titles Issued for Heavy Trucks 15 Years Old or Less:
33
31
366
322
123
121
1,352
1,249
Titles Issued for Trailers:
1,032
855
9,262
8,337
Titles Issued for Motorcycles:
1,104
949
13,694
13,297
89
86
742
656
Titles Issued for Motor Homes:
page 18
October 2014
Thank You 2014 NHADA Partners!
These partners have answered the call and supported NHADA programs and events.
Please consider your partners first when you need professional services for your business.
DIAMOND
Binnie Media – 106.3 Frank FM/105.5 JYY/93.3 The Wolf
WBIN-TV
F&I Resources
Allstate Dealer Services
PLATINUM
NHAD Services, Inc. - Insurance Division
NHAD Services, Inc. - Products Division
NHADA Workers’ Compensation Trust
American Financial & Automotive Services, Inc.
Cars.com
Comcast Spotlight
Empire Dealer Services
Gordon-Darby NHOST Services, Inc.
WMUR-TV/WMUR.com New Hampshire
GOLD
Bank of America Merrill Lynch
New Hampshire Union Leader
American Fidelity Assurance Company
Anthem Blue Cross and Blue Shield
in New Hampshire
Northeast Delta Dental
Albin, Randall & Bennett
AutoTrader.com
O’Connor & Drew, P.C.
Service Credit Union
TRUECar
SILVER
Bond Auto Parts Inc.
Devine Millimet
Enterprise Rent-A-Car
Southern Auto Auction
St. Mary’s Bank
Tyler, Simms & St. Sauveur, CPAs, P.C.
BRONZE
Cross Insurance
STAPLES® Advantage
Tri State Fire Protection LLC
Amy Martineau – Commercial Insurance Specialists
Auto Auction of New England
AutoUse
Auto/Mate
Automotive Equipment Technical Institute
Automotive Garage Tools
Bedford Occupational Acute Care/Apple Therapy
Bellwether Community Credit Union
Bernstein Shur
Clean Harbors Environmental Services
Cook, Little, Rosenblatt & Manson, p.l.l.c.
CUDL
Dealertrack Technologies
EasyCare New England
FairPoint Communications
G W Marketing Services
G&K Services
G H Berlin/Windward
Holmes Law Offices PLLC
Huntington Auto Finance
iHeartMEDIA from Clear Channel
Jewett Automotive Design & Construction
JM&A Group
JPMorgan Chase Bank
KeyBank
Lift Works Corp. / Sullivan Tire Inc.®
Lynnway Auto Auction
Macpage LLC
Manheim New England
Members First Credit Union
MiCorp Dealer Services
Mike’s Equipment Repair
Morgan Stanley Smith Barney
Nancy Phillips
NBT Bank
Protective Asset Protection
Resources Management Group
Sanel Auto Parts Co.
Santander Bank
Seacoast Media Group
TD Bank / TD Auto Finance
Tire Warehouse/Monro Muffler Brake
TR2 Corp/LSI Industries
Warehouse Distributors of New England/BG Products
Wells Fargo Dealer Services
To become a 2014 NHADA Partner, please call Jean Conlon at 800-852-3372. Compiled October 30, 2014.
Companies endorsed by the NHADA are listed first within each association partner level. Those partners that
also are endorsed by the NHADA will be listed first in their partner level.
Dateline: NH
a publication of the New Hampshire Automobile Dealers Association
America’s Largest
Independent Auction
• 20 Lanes
• 4,000 Vehicles
Dennis Finkel
Sales Manager
860-250-3805
dfinkel@saa.com
161 South Main Street
page 20
• Every Wednesday
Tim MacIntyre
Dealership
Representative
860-422-3620
tmacintyre@saa.com
•
East Windsor, CT 06088
•
saa.com
December 2014