Dateline: NH
Transcription
Dateline: NH
February, 2006 Dateline: NH a publication of the New Hampshire Automobile Dealers Association Meet Your Partners (See pages 4, 13, 15, and 18) Inside this Issue New Meetings/Convention Rotation page 3 Important Information on Tax Credits and Audits pages 4 and 6 Dealership Internet Survey Results page 6 2005 ADPAC and DEAC Addendum page 7 Identity Theft page 8 Environmental Corner pages 10-12 Pay Plans for Salespeople page 13 Safety/OBD II Statistics page 14 From Your NADA Director page 15 Mascenic Regional High School Becomes NATEF Certified page 16 Healthy At Heart™ page 18 From Your WCT pages 20, 22, and 23 ‘ w w w. n h a d a . c o m Delayed Titles Daniel B. McLeod E very month, NHADA receives title statistics from Director Beecher, and we provide this information on the back page of “Dateline.” Listed under the title statistics are titles issued for new and demo vehicles, used vehicles, motorcycles, motor homes, and salvaged titles. In effect, we try to present members with a snapshot view of new and used sales on a monthly basis. I have been acutely aware of the fact that motor vehicle business in New Hampshire, both for new and used, has been off the mark compared to 2004. The title statistics listed for 2005 for the state of New Hampshire indicated that 127,352 titles were issued for new and demo vehicles, and 143,424 were issued in 2004. The statistics we receive from the Title Bureau show that the new and demo vehicles are behind by over 16,000 units from 2004. This certainly supports the information I have been receiving for the last quarter of 2005, but there is more to the economic picture. I then read information from NADA and saw that, nationally, there were 16,900,000 units sold in 2005 and that the New England states reported that total dealership gross profit margin was up by 14 percent! I am at a loss as to what is really happening. I have no doubt that business in 2005 was off from 2004. I also know that our title statistics are greatly impacted by the late title issuing that is going on within the Division of Motor Vehicles. On a daily basis, I hear from dealers about the problems they are having as a result of late titles from the Title Bureau. At one point, the Title Bureau admitted that they were as many as 90 days behind! As recently as the second week of January, a reporter friend of mine at the State House told me that he had purchased a vehicle in August and received his title the first week of January. Assuming that titles are at least one month behind and recognizing that this problem has occurred in 2005, if I took an average of one month’s new vehicles being titled (10,612) from the total titles issued in 2005 for new vehicles (127,352) and added these figures, we still are down from 2004 – but not as dramatically. Director Beecher is performing a thorough overview/audit of processes and procedures within the Title Bureau. It is their intention to bring the title turnaround to a ten-day period. The NHADA Board of Directors has identified the late title Titles - Continued on page 2 Dateline: NH a publication of the New Hampshire Automobile Dealers Association New Members 2005-2006 NHADA OFFICERS Chairman Rich Lovering Vice Chairwoman Susan McFarland Moynahan Treasurer Peggy Proko Secretary Dan Prior President Daniel B. McLeod 2005-2006 NHADA DIRECTORS/DISTRICTS Jay Alosa, Heavy-Duty Trucks Frank Brady, Seacoast Proworks Collision Center, Inc. JobsInNH.com 52 Elm Street Manchester, NH 03101 Owner: Mark Silvernail P.O. Box 604 Westbrook, ME 04092 Contact: Erin Kroll Morrison Cycle/Ski-Doo, Inc. Jewett Construction Co., Inc. 181 Littleworth Road Madbury, NH 03823 Owners: Ray and Susan Morrison 32 Harriman Hill Road Raymond, NH 03077 Owner: Craig Jewett Andy Costello, Nashua Armored Tire USA LLC Kevin Donovan, Strafford Chuck Dupler, Monadnock Donna Hosmer, Connecticut River Doug Grant, Manchester/93 Corridor Mark Hesler, Motorcycles Paul Holloway, Honorary Kevin Kopp, North Country Rich Lovering, Concord David McGreevy, Lakes Region Susan McFarland Moynahan, Exeter Titles - Continued from page 1 Larry Phillips, Non-Franchised Peggy Proko, Nashua Jeff Platek, Manchester/93 Corridor issue to be of extreme importance and vital to be fixed. NHADA is working directly with Director Beecher and has offered support in any way possible. 1838 Elm Street Manchester, NH 03104 Owners: Judith A. Gosselin and Thomas F. Nickels NADA DIRECTOR Jack Tulley, Nashua 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. Endorsed by NHADA Published monthly at 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 Editorial Director Managing Editor/ Design and Layout Typographers Rich Lovering Daniel B. McLeod Louanne Theriault Louanne Theriault, Donna Sopper, Lisa Lavoie Advertising Coordinator Lisa Lavoie Photographer Michael Rosenblum ADVERTISING RATES Full Page 1/2 Page 1/3 Page 1/6 Page $450 $275 $200 $150 www.nhada.com page 2 In a nutshell, dealer business in 2005 was definitely down from 2004. What I have said over the years remains constant today … dealers are a resilient group who understand how to adapt to the market; and they recognize that hard work, good decision making, and a positive attitude are the necessary ingredients to success. Will 2006 be better than 2005? The answer to that question lies with each and every dealer. NHAEF Center for Automotive Education and Training Upcoming Seminars – REGISTER ON-LINE (www.nhada.com) February 22 March 14 * March 21 March 22 March 23 March 28 March 29 April 12 & 13 April 18 April 19 & 20 April 25 Preventing Workplace Harassment Environmental Laws: Facility Operations and Waste Streams (see p. 10) Fundamentals of Automotive Bookkeeping Telephone Skills F&I Overview: Laws, Regulations, and Selling Techniques Employee Handbooks OSHA Compliance – Spray-on Bedliners Dissecting the Financial Statement – George Grabowski, NADA Desking for Managers Professional Selling Skills Employment Law: What You Need to Know About Hiring & Firing * Date was changed from February 14. Seminar dates are subject to change. Please contact Brendan Perry or Jean Conlon at 800-852-3372 for additional information. February, 2006 Dateline: NH a publication of the New Hampshire Automobile Dealers Association Meetings/Convention Rotation Established “Camaraderie is Key” Daniel B. McLeod Louanne Theriault, Meetings Coordinator A t a recent NHADA Board of Directors’ meeting, it was voted to put in place a threeyear rotation of events – that is, NHADA major meetings (not to be confused with NHADA in-house seminars). Simply, what this means is that NHADA is veering away from the “traditional” Conventions/ Symposiums we have held for the past many, many years on an annual basis – 59 Annual Conventions to be exact, followed by two Summer Symposiums. The thought process went something like this: mix it up … keep it fresh and exciting … attract more people … plan ahead … and key was to maintain and build camaraderie among members of NHADA. The Meetings/Convention Committee met earlier this year to begin planning for 2006. After reviewing the attendance history of the past six years of Conventions/Symposiums, they immediately recognized a definite pattern. Attendance was up the first year an event was held at a particular location; and when an event was duplicated a second year in a row, attendance fell. After much discussion, the Committee came up with a brilliant plan that would involve a three-year rotation of events, to include one-day business events, a “family-style” Convention, and an overnight business event – a real mix! When the idea was presented to the full NHADA Board of Directors, the Board was excited about the change and approved the rotation without hesitation. If the February, 2006 new rotation proves to be successful during the next three years, the following three-year rotation would be determined; and locations and types of events could be moved around in whatever order desired for 2009 and beyond. The Board’s main concern is that it is important to have these types of events because it is the camaraderie that keeps NHADA strong and united. Take a look at what has been planned for 2006-2008, and mark your calendars! We encourage all members to participate in YOUR events. Watch your mail in the near future for details of the Annual Meeting/Golf Tournament. 2006 (Two One-Day Events) “NHADA Annual Meeting/Golf Tournament” May 15, 2006 Manchester Country Club “NHADA Fall Business Meeting/Partner Exposition” October 10, 2006 Grappone Conference Center Concord, NH 2007 (A Two-Night, Three-Day “Family” Event) “NHADA Convention” June 24-26, 2007 Newport Marriott Hotel Newport, Rhode Island 2008 (A One-Night, Two-Day Business Event) “NHADA Summer Symposium” June 29-30, 2008 Wentworth by the Sea Hotel and Spa New Castle, New Hampshire page 3 Dateline: NH Alternative Fuel Vehicle Tax Credits I ncluded in the Energy Policy Act of 2005 are federal tax credits for the purchase of new hybrid, advanced lean-burn diesel, fuel cell, and clean-fuel vehicles. These tax credits, which took effect on January 1, 2006, replace the tax deduction available for hybrid vehicles in previous years. • Individuals or businesses that purchase new hybrid vehicles will qualify for federal tax credits of up to $3,400, but the credit amount varies by model. • The tax credit is also applicable for new clean diesels, and qualifying vehicles are expected to be on the market in late 2006. • The tax credit will phase out at different times for each manufacturer. Once an automaker reaches 60,000 hybrid and lean-burn diesel sales, buyers of these vehicles can only get the full tax credit for the remainder of that quarter and the next quarter. The credit then phases out. a publication of the New Hampshire Automobile Dealers Association Meet ADESA Boston ~ Silver ~ Your Partners Dave Reagan of Salem, New Hampshire, former NHADA member and past President of the N.E. Independent Dealers Association, is ADESA Boston’s Northeast Regional Sales Representative. Dave Reagan ADESA Boston is the company’s largest dealer consignment sale, offering over 1,500 units to 1,800 buyers every Friday since 1954! Contact Dave at DReagan@adesa.com or at 508-922-8313 (cell) or 508-270-5948 (auction direct) to discuss the latest trends and technologies and for assistance in managing your pre-owned inventory. • For sales of vehicles used by taxexempt entities, the person who sells the vehicle is treated as the taxpayer and is able to claim the credit as long as the amount allowable as a credit is clearly disclosed to the user in a document. • Dealers should be aware that some state and local governments also provide incentives for hybrid and alternative fuel vehicles. The IRS has not made an announcement on the specific credit amounts for various vehicles, but NADA will continue to follow this issue and provide further information as it is released. page 4 Fair Labor Standards Guide Available to All NHADA Members NADA has published and mailed to all NADA members a revised NADA “Dealer Guide to the Fair Labor Standards and Equal Pay Act.” Major rewrites include a review of the Department of Labor’s new “white collar” overtime rules and the “commission employee” overtime exemption to F&I employees. This Guide is also available for purchase. Call NADA Management Education at 703-821-7227 for information. February, 2006 Dateline: NH a publication of the New Hampshire Automobile Dealers Association The NE Dodge Dealers are proud sponsors of the New Hampshire Automobile Dealers Association. February, 2006 page 5 Dateline: NH a publication of the New Hampshire Automobile Dealers Association IRS Audit Activity Increases Dramatically I RS Commissioner Mark Everson recently reported that audits of highincome taxpayers, corporations, and small businesses jumped dramatically last year, reaching the highest level in years. The IRS has instituted a specific initiative to audit a substantial amount of S Corporations. He noted that for fiscal year ended June 30, 2005, the IRS obtained a record 47.3 million in enforcement collections. The Commissioner has vowed to improve procedures into 2006. He said the agency is working to better target audits with the hope of reducing the number of audits that end with no additional taxes owed. Audits declined significantly following the IRS Restructuring and Reform Act of 1998. The IRS spent several years reorganizing, implementing procedural changes, and hiring auditors. Now that the restructuring has been completed, the IRS has vowed to increase enforcement activity. Our firm has seen increased audit activity in the last year. There does not appear to be a specific attack on auto dealerships. Several of the audits focused on S Corporations or LLCs that incurred losses. Typically, the dealer’s personal return had income from wages, rental activities, or other sources that were netted against a loss from a dealership or other activity. In other cases, the audits appeared to be selected randomly and focused on clients who had not been audited for over ten years. In one case, the auditor is performing a comprehensive audit that will take several months. For the upcoming 2005 filing season, dealers should be cautious. It is important that dealers account for the unique tax aspects of auto dealership taxation properly. Some of the areas the IRS focuses on are LIFO inventory calculations, used-vehicle write downs, demonstrator taxation policies, and dealer-owned reinsurance relationships. These are not areas of concern for you if your CPA is familiar with the proper treatment. NADA Survey: Internet Use By New-Car Dealers at 94 Percent N inety-four percent of U.S. franchised new-car and lighttruck dealers have Web sites, according to the annual Dealership Internet Survey from NADA’s Industry Analysis Division. Most of the Web sites offered by new-car dealerships allow car shoppers to view stock and MSRPs, fill out finance forms, and schedule sales and service appointments, according to the Survey. Many others provide customers the convenience of ordering on-line and linking directly to related financial, insurance, and auto sites. “This survey confirms that new-car dealers recognize the value of the Internet and have fully embraced it as a tool to serve their customers, even before they set foot in the dealership,” said NADA Chief Economist Paul Taylor. Dealers report their most common Web site interactions with customers are: (This article has been provided by Downey & Company, LLP – see ad below.) Survey - Continued on page 8 Downey & Company, LLP Certified Public Accountants – Representing over 80 dealerships throughout New England – “A CPA firm that understands dealership management, accounting, and tax issues” In today’s complex automotive business environment, it pays to engage a CPA firm that has specialized its practice to service your industry. Timely filed tax returns Computerized LIFO calculations Tax-planning strategies Estate and succession planning Operational and accounting reviews Management consulting For more information, please visit our web site at www.downeycocpa.com, or call Paul McGovern or James Downey at 800-849-6022. page 6 February, 2006 Dateline: NH a publication of the New Hampshire Automobile Dealers Association Addendum to 2005 ADPAC and DEAC Contributors Thank you to the following individuals whose contributions to ADPAC and/or DEAC in 2005 were recorded after the publication of the January 2006 Dateline: NH. 2005 DEAC Contributors ADPAC Contributors (since 12/19/05) Frank Brady Edward Bonneville Andy Costello William DeLuca Daniel Fitzgerald Dennis Gaudet Paul Gaudet, Jr. Paul Gaudet, Sr. Joel Ginsburg Mark Hesler Paul Hurlbert Jeff Kantor Jim Knight Jim Lagana Greg Marino James McDowell (since 12/15/05) Gary Miller Richard Nault Mark Nicholas Mark Piekarski Wayne Russell Joseph Sabolevski, Sr. John Sawyer Daniel Weed Robert Werner Tracy Banks Paul Gaudet, Sr. Ronney Lyster Howard Siegel www.aane.com “Creating Liquidity in the Automobile Marketplace” February, 2006 Every Thursday 9:45AM Londonderry, NH General Manager Dave Blake • Six Lanes 1,200+ Vehicles • Fleet/Lease 275+ Vehicles • End of Sale Prizes! Operations Manager Rob Ross Controller Linda Griffin Office Manager Joanne Comeau Safety & Compliance Manager Sal Morando Auto Auction of New England Conveniently Located at Exit 4, Rt. 93 8 Action Blvd., Londonderry, NH 03053 10 min. south of Manchester, NH Tel: (603) 437-5700 Fax: (603) 437-5800 Transportation Manager Barry Kelley Director Fleet/Lease Bill Hoover Director Dealer Relations Jim How Dealer Relations Katie Karl Michele Pierog Quality Auction Member Dealer Registration Donna Olsen • Transportation • Full Recondition • Service Dept. • Guaranteed Checks and Titles page 7 Dateline: NH a publication of the New Hampshire Automobile Dealers Association Identity Theft is Stealing the Legislative Spotlight Brendan Perry I n 2002 the Federal Government passed safeguarding provisions as part of the massive privacy initiative known as Gramm-LeachBliley Act. The law focused on financial institutions that collect personal information from their customers, including names, addresses, account numbers, and credit histories. As automobile dealerships across the state and country cried foul, citing government overregulation and an increased burden on small businesses, it appeared the privacy groups had finally broken through. Then, in 2004, Atlanta-based ChoicePoint, a consumer data collection service, announced a breach of security in their database, compromising personal information on some 145,000 people. Although, in the end, only 750 individuals actually reported identity theft from this particular incident, it would serve as a rallying cry for the need of increased regulation on personal information security and quiet the cynics. According to a recent government study, New Hampshire reported 543 cases of identity theft in 2004, 13 of which were automotive (loan and lease) related. During this same time period, more than 246,000 individuals throughout the country claimed to be victims of identity theft, with the vast majority stemming from credit card, bank, and utilities fraud. Nationally, New Hampshire ranked 42nd in identity thefts per capita with 42 per 100,000 – and well behind the top three of Arizona, Nevada, and California, which reported numbers three times higher. page 8 In order to ensure your customer’s information does not fall into the wrong hands, dealers are obligated to comply with the safeguarding rule of the Gramm-Leach-Bliley Act. The rule requires financial institutions (and dealerships) to develop a written security plan that outlines how customer information is protected. The size and complexity of each plan can vary depending on the scope of activity that takes place at your dealership. However, it is essential that each plan contain at least the following elements: • A designated plan coordinator. • A comprehensive identification and assessment of risks associated with customer information in each department and the means by which the information is protected. • A formal written or electronic program that is regularly monitored and tested. These requirements are designed to be flexible and may range from one page up to many, again, depending on the size of your dealership. In addition, there are several services that can provide NHADA members with assistance in this area, including the Federal Trade Commission and National Automobile Dealers Association, who has published a stepby-step guide to developing an effective and compliant safeguarding plan. As more information continues to be stored and processed electronically, most privacy experts believe identity theft will also continue to rise. Assistant New Hampshire Attorney General Richard Head recently reported to the House Commerce Committee that his Department has “seen a dramatic increase” in the number of reported cases between 2004 and 2005 and is quickly moving up the list of most frequent citizen complaints. In both the House and Senate, a number of bills have been introduced that attempt to address consumer privacy and identity theft (see January 13 “State House Report” at www.nhada.com; click on NHADA and then State House Reports), many of which are modeled after other states. Currently, 23 states have already adopted some form of identity theft or “credit freeze” legislation, with the remaining states working toward a solution. If and when legislation is passed, it will, undoubtedly, have an effect on NHADA members’ businesses and, ultimately, bring the long arm of enforcement from Washington right into the city of Concord. Survey - Continued from page 6 responding to requests for price quotes and setting up service and sales appointments. Among the key findings of the NADA Dealership Internet Survey: • Dealerships with Web sites have grown from 47 percent in 1997 to 94 percent in 2004 and 2005. • Ninety-eight percent of dealer Web sites are interactive. • Sixty-four percent of dealers with a Web site have completed a sale on the Internet (excluding delivery and payment for the vehicle). (Source: NADA Newswire) February, 2006 Dateline: NH February, 2006 a publication of the New Hampshire Automobile Dealers Association page 9 Dateline: NH a publication of the New Hampshire Automobile Dealers Association ATTENTION: Owners, Fixed Operations Directors, Service or Parts Managers, or if Compliance with Environmental Regulations is YOUR Responsibility Dan Bennett, NHADA Environmental Specialist There are over 15 different waste streams produced by folks in the automotive industry; and each one has a different set of environmental rules regarding their recycling, disposal, and handling. There is also a multitude of other environmental regulations that apply, such as spill plans, storm water discharge, trainings, and site certification, to name a few. As a producer or generator of these wastes, it is YOUR responsibility to ensure that your facility does the right thing. As a generator, you may be liable for any wrongdoings or instances of noncompliance with the laws. A seminar, titled “Environmental Laws: Facility Operations and Waste Streams,” will be held on March 14 at NHADA from 9:00 a.m. to 12:00 noon. In an effort to promote environmental awareness and compliance of NHADA members, the seminar will cover these issues to both clarify and make the responsibility of dealing with them easier. The class will also spend some time looking at the ways in which a facility can reduce the source of its hazardous waste generation to lower environmental liability and impact as well as find cost savings. Space in the class is limited, so sign up early to receive this beneficial training! If you have any questions about the class, I can be reached at dbennett@nhada.com or at 800-852-3372. Environmental Corner One Year Left of MTBE – Then Ethanol It Is! Dan Bennett, NHADA Environmental Specialist S ince the 1990 amendments to the federal Clean Air Act, MTBE has been an additive of gasoline. Methyl-tertiary-butyl-ether, or MTBE, is a type of chemical that is known as a fuel oxygenate. It is added or blended with fuel to enhance its oxygen content. This allows it to reduce carbon monoxide and levels of ozone caused by the emissions of motor vehicles. MTBE has been a replacement for lead in gasoline since 1979. MTBE is flammable, volatile, colorless, and dissolves very easily in water. When MTBE is spilled or leaks from fuel tanks, it easily contaminates water supplies and is very difficult and costly to clean up. The Environmental Protection Agency (EPA) and its Water Office concludes that MTBE exposure, at high levels, is a human carcinogen (a cancer-causing agent). In May 2005, Governor John Lynch signed legislation prohibiting the use of MTBE in gasoline after January 1, 2007. The legislation will provide some great, and much-needed, protection of human health and the environment here in New Hampshire. MTBE in groundwater presents some very serious concern, and about 60 percent of New Hampshire citizens depend on groundwater for its drinking-water supplies. In our state, there is no public water supply that is farther than 4 miles from an underground storage tank. page 10 February, 2006 Dateline: NH We all want MTBE out of our gasoline, drinking water, and environment. We also must comply with the federal Clean Air Act and its lowered emissions requirements. This puts us in a tricky situation. The solution: another gasoline additive – Ethanol. Ethanol, if it is not already in use at your local filling station, will take the place of MTBE no later that January 1, 2007. a publication of the New Hampshire Automobile Dealers Association at 800-852-3372 or at dbennett@nhada.com. (Information contained in this article was taken from various NHDES and EPA informational publications and fact sheets.) Check out our Web site at www.nhada.com. Click on Safety and Environmental Services, then Environmental. Request a visit, order free environmental information and supplies, and read about our free compliance inspection services. 2005 Unemployment Rates by Area Sep Oct Nov United States New England Connecticut Maine Massachusetts New Hampshire Rhode Island Vermont 4.8% 4.6% 4.9% 4.7% 4.7% 3.6% 5.4% 3.3% 4.6% 4.4% 4.8% 4.7% 4.3% 3.6% 4.8% 3.3% 4.8% 4.4% 4.8% 4.9% 4.4% 3.6% 4.4% 3.4% Ethanol is made from supplies of feedstock (ex: corn) and is renewable. This helps lessen our dependence on foreign oil supplies/fossil fuel imports and has greater emissions reductions than MTBE (on a per-gallon basis). This makes it good for the economy, and the environment – a real WinWin! Ethanol, when spilled, and if it pollutes a water supply, biodegrades within a few hours, presenting a much lower risk. Many other states, even some of our neighbors, already are, and have been, using Ethanol and, despite the initial scare that it would cost more, has actually been proven to be less expensive. So get ready – Ethanol is on its way to our fuel supply and vehicles. You can bet that customers in both sales and service departments will have questions concerning Ethanol and its impact and effects on their vehicles. As always, the best defense is a strong offense (and here is a one-year heads-up). Make sure that service, parts, and sales staffs are aware of the switch to Ethanol; how it will effect, if at all, your vehicles; and are ready to field and answer any questions concerning it. If you have any questions concerning this or any other environmentalrelated matter, feel free to contact me February, 2006 page 11 Dateline: NH a publication of the New Hampshire Automobile Dealers Association The Beede Waste Oil Site “Final Negotiations” Under Way Sherilyn Burnett Young, Esquire P otentially Responsible Parties (“PRPs”) have entered the final stage of negotiations with EPA. A Steering Committee has been formed and is working to make a good-faith global settlement offer to EPA by March 1, 2006. The Steering Committee consists of several attorneys representing the 39 major parties (the “Majors”) and two attorneys (myself included) representing the 37 Large De Minimis parties (the “LDMs”). There are approximately 600 Small De Minimis parties that did not previously settle with EPA in the earlier rounds, although invited to do so. They are not invited to actively participate in the negotiations but will be asked to participate in the final settlement. The Steering Committee’s goal is, in the first instance, to develop and submit to EPA a good-faith settlement offer and, thereafter, to negotiate the terms of a final global settlement with all parties. This offer must be presented in writing to EPA by March 1, 2006 (extended by EPA from January 15, 2006). Many of the Majors (those contributing more than 40,000 gallons of waste to the Beede Site) have met regularly over the past months, and they are taking the lead in negotiations. Although all PRPs are interested in Site cleanup proceeding as efficiently and inexpensively as possible, the interests of the Majors are adverse to the LDMs when it comes to allocating costs. Not surprisingly, the Major PRPs will be seeking for the LDMs to pay as large page 12 a share as possible of the cleanup costs and the government’s past costs. One of the largest PRP members (collectively) is the United States, including the U.S. Navy, the U.S. Army, the U.S. Air Force, and the U.S. Department of Transportation. Collectively, they have an allocation of almost a million gallons, so they certainly are one of the Major PRPs. They have an unusual status, because they, like EPA, are represented legally by the Department of Justice. In essence, their lawyers represent both EPA and the federal PRPs. The Steering Committee will be confronted with the challenge of both working with the federal PRPs as Major parties, while at the same time recognizing that discussions with them may be shared with EPA! It makes for an interesting dynamic but has been successfully managed in other Superfund Sites in the past. If a global settlement is ultimately achieved, the De Minimis PRPs will be able to pay their cash-out amounts and settle their liabilities, while some, or all, of the Majors will likely be required to remain active participants in funding and supervising the cleanup until it is completed. Until the settlement reaches its final stage, it is difficult to predict what the pergallon cost will be for the LDMs to cash out. It is also difficult to predict when a final settlement will be reached. If past experience is any guide, it will be many months from now – well into 2006, before a settlement is likely to be finalized. At the end of the negotiations, it will be in everyone’s best interest to have the maximum number of parties participate in the global settlement. Those who do not will become “NonSettling Parties,” who risk future cost-recovery litigation brought by EPA or the Major PRPs. Liability as a “Non-Settling Party” carries with it a much more substantial penalty component, not to mention the added costs of defending such litigation claims. (If you are a PRP at the Beede Site and want additional information about the process, feel free to contact Sherry Young at Rath, Young and Pignatelli, Professional Association, at 603-226-2600 to discuss your questions or concerns. Sherry Young is currently serving as legal counsel to a group of Large De Minimis parties involved in the Site and is a member of the Steering Committee that will negotiate a global settlement for all remaining parties.) Editor’s Note: Rath, Young and Pignatelli is a Bronze Association Partner – see special highlight to the right. Did you know you can order your stock forms and specialty items on-line? Simply go to www.nhada.com and click on the “On-Line Catalog” link on the Site Map. Also, look for monthly forms specials in the “Special Alerts” box on the Home page. February, 2006 Dateline: NH a publication of the New Hampshire Automobile Dealers Association Elements of a Good Pay Plan for Salespeople T he first objective of any pay plan is to determine what the total compensation should be for the position. How much do salespeople earn in your area? The next goal is to determine the responsibilities of the salesperson. Does the salesperson control the gross? Salespeople certainly control their volume, and they have a major impact on customer satisfaction. The salesperson can also have an impact on whether he or she starts the month on the 1st or doesn’t really get down to work until the 20th. What bearing does the salesperson have on the success of other Meet departments? One consultant suggests paying a salesperson a commission on customer-paid labor performed on vehicles he or she has sold, because the salesperson has a personal interest in making sure the customer returns for service work. You are faced with answering many questions about various portions of a complete compensation package, including: • Is a salary necessary to attract the quality of individual that you want to have working in your dealership? • What percent of the total compensation package should be salary? Rath, Young & Pignatelli, P.A. ~ Bronze ~ Your Partners Sherry Young grew up in an auto dealer’s family, so she understands the dealership business from an insider’s perspective. Sherry and the RYP legal team regularly advise automobile dealers on environmental issues affecting dealership properties as well as advise on the legal aspects of a dealership purchase, sale, or intra-family transfer. For more information, please contact Sherry Young at 226-2600 or at sby@rathlaw.com or visit RYP’s Web site at www.rathlaw.com. Sherilyn Burnett Young, Esquire One Capital Plaza Concord, New Hampshire 03302-1500 (603) 226-2600 www.rathlaw.com February, 2006 • Should you pay for longevity? • Should you establish a bonus pool that everyone shares according to his or her volume or gross contribution? • How many paid vacation, sick leave, and annual holidays should there be; and how do you calculate the compensation? • Should you provide health and/or dental plans? • Should you provide a paid maternity/paternity leave plan? • What about access to a profitsharing/pension/401(k) plan? • Do you provide sales contests? Are goals attainable? Does the same person win each time? • Do you want to provide a “personal improvement allowance” that reimburses salespeople for participation in personal or professional improvement programs (such as improve sales/management skills, earn sales certification, lose weight, smoking cessation, learn a foreign or sign language, and so forth)? • Do you provide demonstration vehicles, and how do they figure into the compensation package? [This article was adapted from “A Dealer Guide to Using Pay Plans to Motivate Your Sales Force (SL23).”] Mark Your Calendar NHADA Legislative “Crossover” Reception March 8 • NHADA Watch your mail for details. page 13 Dateline: NH a publication of the New Hampshire Automobile Dealers Association Safety/OBD II Inspections Statistics Safety Inspection Results Total * Passed Corrected Rejected Untested) Dec 05 % of Total YTD 05 % of Total 87,359 69,265 14,561 3,528 5 100.00% 79.30% 16.70% 4.00% 0.00% 1,036,925 801,626 188,219 46,990 90 100.00% 77.30% 18.20% 4.50% 0.00% 69,259 54,604 13,237 1,418 100.00% 78.80% 19.10% 2.00% 755,696 620,595 119,540 15,561 100.00% 82.10% 15.80% 2.10% OBD II Inspection Results (1996 and newer) Total Passed Rejected Untested) * Total numbers include OBD II Inspections Statistics provided by Gordon-Darby As endorsed by NHADA, Hilb Rogal & Hobbs is pleased to offer: Dealer Bonds Program HRH Northern New England Formerly The Dunlap Corporation 1-800-464-1203 · www.hrh.com For more information about obtaining your dealer bond, please contact: Colleen Rioux, CPIW Bond Department page 14 February, 2006 Dateline: NH Meet a publication of the New Hampshire Automobile Dealers Association St. Mary’s Bank ~ Silver ~ From Your NADA Director Your Partners For over 20 years, St. Mary’s Bank has partnered with New Hampshire auto dealers to provide retail financing options. Call Judy Auber, Indirect Lending Manager, at 603-629-1323 to find out how St. Mary’s Bank can work with your dealership. Jack Tulley (L-R, front): Tina Grady, Judy Auber, Kathy Hasselbach (L-R, back): Craig Labore, Emma Major, Jay Caldwell Convention Countdown Begins A s the new year revs up, many dealers are preparing for the 2006 NADA Convention in Orlando, February 11-14. A distinguished lineup of speakers, including BMW USA Chairman and CEO Tom Purves and former Secretary of State Gen. Colin Powell, new workshops, and more than 600 exhibitors, means that the 2006 show will be one of the biggest ever, and I hope to see you there. NADA - Continued on page 16 February, 2006 page 15 Dateline: NH a publication of the New Hampshire Automobile Dealers Association NADA - Continued from page 15 Making last-minute Convention plans? You can still register on-site in Orlando. At NADA’s newly designed Convention Web page (www.nada.org/convention), you can view a snapshot of the day-to-day schedule as well as schedules of franchise meetings, workshops, and lifestyle activities; learn more about the keynote speakers; see the exposition floor plan and search for a specific exhibitor or view the complete list. Also, you can use the Personal Planner to build your Convention activities schedule before you arrive in Orlando. In legislative and regulatory news: • NADA applauds a Louisiana bill recently signed by Governor Kathleen Blanco that will require any vehicles whose power trains, computers, or electrical systems were damaged by flooding and declared total losses to be either dismantled, crushed, or sold for usable parts. • Dealers recently have reported being sued for violating federal CompanySpecific Do-Not-Call (DNC) rules. These rules predate, and are entirely separate from, the National DNC Registry rules that took effect in October 2003. For a brief recap of the Company-Specific DNC rules, visit www.nada.org/do-not-call (requires member log-in). • The National Traffic and Motor Vehicle Safety Act now prohibits schools and school systems from buying or leasing new 15-passenger vans to transport students unless the vans comply with the standards for school buses or multifunction school activity buses. Prior to the law, only a dealership’s sales of these vehicles were regulated; now both parties to the transaction are regulated. The new law also modifies the civil penalty for violations of these provisions. A single violation now carries a civil penalty of up to $10,000; the maximum civil penalty for a series of related violations is $15 million. For further information on restrictions governing the sale or lease of large vans or small school buses, go to www.nada.org/regulations (requires member log-in). In other NADA news: • NADA continues to work to educate consumers about car-buying and financing and ownership. To order copies of NADA’s “Smart Car Buyer’s Guide: Getting the Most from Your Dealership” for your customers, e-mail help@nada.org; they’re available in packages of 100 for $39.95 each, plus tax, shipping, and handling. One copy of the Guide was included with the December issue of AutoExec. “NHADA Dessert Reception” (in conjunction with the NADA Convention) Sunday, February 12 • 9:00 p.m. - 11:00 p.m. The Peabody Hotel, Florida Ballroom I 9801 International Drive, Orlando, Florida Nine Down and Nine To Go Brendan Perry H ats off to Mascenic Regional High School and Automotive Technology instructor Vincent Fittante in receiving ASE’s National Automotive Technician Education Foundation (NATEF) Certification. With this achievement, Mascenic joins an elite group of eight other automotive programs servicing students throughout the state (Berlin Vocational Center, Concord Regional Technology Center, Dover Vocational Center, Huot Technical Center, Pinkerton Academy, Salem High School, Seacoast School of Technology, and Somersworth Regional Vocational Center.) After months of hard work and effort on behalf of Mr. Fittante, several Keene dealerships, and AYES Coordinator George Dykstra, the school became the ninth program in the state to be recognized for excellence in automotive education. NATEF Certification requires a school to teach secondary-level competencies to students in four ASE areas, including engine performance, electronic systems, steering and suspension, and brakes. Students participating in NATEF programs are assured a standardized curriculum and essential laboratory skills that are current with today’s automotive industry. NATEF Certification is significant to NHADA members for several reasons, including linkage between the school and the member, student cooperatives and job-shadowing relationships, higher-quality technical skills for students, and enhanced professionalism within the industry. NATEF - Continued on page 20 page 16 February, 2006 Dateline: NH a publication of the New Hampshire Automobile Dealers Association -ORE"UYERSs-ORE3ELLERS %XPANDED3ERVICES %VERY7EDNESDAY #ONTACT4OM-UNSONAT %AST7INDSOR#4sWWWSAACOMs%STABLISHED Congress will likely defer action on the federal estate tax until 2007, avoiding the thorny issue in an election year. Business L aw Litigation Domestic R el ations Congress will probably avoid permanent repeal and instead increase the federal estate tax exemption, possibly to as much as $5 million. Employment & Benefits Insur ance Estate Pl anning Auto Industry R eal Estate, L and Use & Development Wiggin & Nourie, P.A. Counsellors at Law Contact Jan P. Myskowski at (603) 629-4560 or jmyskowski@wiggin-nourie.com February, 2006 Manchester Office 670 North Commercial Street, Suite 305 P.O. Box 808 Manchester, NH 03105-0808 t 603-669-2211 f 603-623-8442 www.wiggin-nourie.com Por ortsmouth tsmouth Office 75 Congress Street, Suite 211 P.O. Box 469 Portsmouth, NH 03802-0469 t 603-436-7667 f 866-210-8442 Some scheduled changes went into effect January 1, 2006. The federal estate tax exemption has been raised to $2 million. Now with proper trust planning a couple can leave $4 million to their descendants tax-free (New Hampshire has no state estate tax.) For federal gift tax purposes, the annual exclusion has been increased $12,000 per recipient. Each spouse can gift $12,000 per year to an unlimited number of beneficiaries. No relationship between the donor and the donee is required. page 17 Dateline: NH a publication of the New Hampshire Automobile Dealers Association Healthy At Heart™ Jean Conlon N HAD Services, Inc. – Insurance Division has collaborated with Pfizer Inc. to offer Healthy At Heart™, a program that may help patients manage cardiovascular disease and/or diabetes. This program is part of NHADA’s ongoing commitment to help employees through wellness programming. High blood pressure and high cholesterol are indications of diseases involving the cardiovascular system that, if left untreated, may lead to stroke, coronary artery disease, and even heart failure. A high glucose reading may indicate diabetes, which Meet could lead to blindness, loss of limbs, or even death. When NHADA members covered by Anthem through the Association participated in our most recent wellness screenings program, the results were disturbing: • 35 percent of participants had greater than three times the standard risk for a heart attack or stroke over the next 10 years; • 52 percent had elevated total cholesterol (>200 mg/dl); and • 41 percent had uncontrolled blood pressure. A key strategy for addressing these risk factors is through education about the importance of prevention Armored Tire USA ~ Bronze ~ Your Partners Armored Tire USA provides 24-hour, live support emergency tire road hazard service. Their nationwide service is available on most new and used autos, RVs, campers, and trailers. For more information, please contact Tom Nickels or Judy Gosselin at 888-507-7222 or at armoredtireusa@verizon.net. and management approaches. The Healthy At Heart™ program includes education and management tools that address proper diet, exercise and lifestyle modification – an approach that is known for being most effective and efficient. Members enrolled in the Healthy At Heart™ program will receive a full year of continuous unbranded disease education and reminders about medication compliance delivered through the mail or accessible through a special Web site. These materials have been developed based on the latest thinking in healthcare-related communications. In order to ensure confidentially for employees (thus, also protecting NHADA and its member companies), we have contracted with Occupational Health Management (OHM) of Keene to work as an intermediary. OHM staff will first contact the employees who were identified as “high-risk” at the screenings done in the past year and invite them to participate in the program. We will then invite other employees of companies covered by Anthem through NHADA through general mailings to the companies. Participation will be free of charge, voluntary, confidential, and will provide a great resource to help promote health and wellness. Judy Gosselin We thank Pfizer for sponsoring and developing the program and appreciate the caring and commitment of the health providers at OHM toward our members and their employees. If you have any questions regarding the Healthy At Heart™ program, please contact me at 800-852-3372 or at jconlon@nhada.com. page 18 February, 2006 Dateline: NH February, 2006 a publication of the New Hampshire Automobile Dealers Association page 19 Dateline: NH a publication of the New Hampshire Automobile Dealers Association Al Patey Retires From NHADA NATEF - Continued from page 16 Mr. Fittante’s accomplishment is truly remarkable, considering the automotive program was non-existent at the school just four years ago. Unlike every other automotive program in New Hampshire, Mascenic High School, which is located in the small town of New Ipswich, operates a locally funded and limited number of technology programs. With this accomplishment, the program has earned the respect and praise of the community as well as the necessary funding in order to provide state-ofthe-art training aids. According to Fittante, the town passed a $25,000 referendum to purchase a lift, an alignment rack, and tire-balancing machine. Prior to accepting the position at Mascenic, Mr. Fittante was an instructor at Warwick High School in Rhode Island and Exeter’s Seacoast School of Technology (SST). While teaching in Rhode Island, Mr. Fittante achieved NATEF Certification and led his team to a first-place finish at the National Automotive Technology Skills Competition in New York City. During his time at SST, Mr. Fittante’s automotive course became the first NATEF-Certified program in New Hampshire and the first Automotive Youth Educational Systems (AYES) program. Although Mr. Fittante has been teaching automotive education for over two decades, he remains a student of the industry, maintaining all eight ASE credentials and constantly staying abreast of cuttingedge technology. For more information on where your high-school automotive program is in the NATEF Certification process, please contact me at 800-852-3372. page 20 Justin Hickman New Claims Adjuster Al Patey Justin Hickman Daniel B. McLeod I t is with sweet sorrow that I report on the retirement of NHADA staff member Al Patey at the end of December. Al was the NHADA Workers’ Compensation Trust Claims Adjuster for 14 years and did an extraordinary job during his tenure with NHADA. He was also a very kind and generous individual. Justin Hickman, whom many of you may already know, has made a smooth transition into the Claims Adjuster position. Justin joined the NHADA staff as a WCT Loss Prevention intern in the spring of 2004. Upon his graduation from Keene State College’s Safety Program that summer, he was hired full time as a WCT Loss Prevention Consultant. When Al made his decision to retire at the end of 2005, Justin showed a keen interest in the Claims Adjuster position. He went on to earn his Claims Adjuster license and job-shadowed with Al during the last eight months of his employment. Here, at NHADA, we all miss Al, both personally and professionally, but know that Justin is a fine addition to the WCT Claims staff. Safety Shorts – Rotary Lift Repair – Some older Rotary lifts, Model Number SPOA84, are developing stress cracks in the lift carriage. Rotary has developed a fix for this problem, which involves welding the crack and welding a reinforcing plate over the area. Bear in mind that the welding should be carried out by a certified welder. Although many people in our business can weld, very few are certified by AWS. Contact Rotary for repair kits, instructions, etc. For more information, contact the NHADA WCT Loss Prevention staff at 800-852-3372. February, 2006 Dateline: NH a publication of the New Hampshire Automobile Dealers Association If you don’t see your equipment listed below we probably do repair it and just ran out of room. February, 2006 page 21 Dateline: NH Compliance Corner A new suit, no matter how expensive, won’t ever look right if it doesn’t fit properly. The same axiom applies to your work environment. Whether it’s a computer workstation, a parts or service counter, or a vehicle service bay, a good fit is critical to your well-being. This is where ergonomics comes in. Ergonomics is simplistically defined as “fitting the work to the worker.” For years, service technicians and others have adapted their work techniques to the job. They’ve bent, twisted, crouched, stood on milk crates, and done whatever else it took to get the job done. Unfortunately, these makeshift adaptations have often resulted in injuries or chronic health problems. Today, many tools are available to reduce the risk of injury while making you more productive. More and more tools are being developed to speed up tasks and reduce repetitive motions. A prime example is the air ratchet. These tools have significantly reduced the back-and-forth wrist motion required to remove nuts and bolts, while performing the task much faster. Ergonomically designed hand tools contribute to the cause by providing more neutral hand and wrist positioning when using them. They may not save much time, but they significantly reduce the risk of musculo-skeletal disorders like Carpal Tunnel Syndrome. NHADA’s Loss Prevention Department has been working with Ergonomic Committees from several page 22 a publication of the New Hampshire Automobile Dealers Association It’s Gotta Fit! Ron Godbout, CSP NHADA WCT Senior Loss Prevention Consultant dealers to identify high-risk tasks and to develop solutions that reduce or eliminate the risks. One of the solutions recently developed was a method of supporting wheels on Audis and Volkswagens when removing or installing them. Most Audis and Volkswagens use mounting bolts instead of the more common lug nuts placed on studs. This necessitates holding the wheel in position with one hand, while manipulating the studs with the other hand. The solution is a simple screwin stud fabricated from a bolt of the proper size with the head removed. The stud is inserted in one of the bolt holes on the hub, and the wheel rests on the stud (see sketch below). Another task recently tackled was tire rotation, which requires considerable bending to place the tires on the floor and pick them up during the process. A newly designed hanger bracket is being developed to simplify the process and eliminate much of the bending and lifting. The hanger is mounted on the lift arm or post and is designed to swing away when not in use. The first wheel is removed and hung on the support, which is positioned at approximately the same height as the vehicle’s hubs. Then, the second wheel is removed and placed on the first hub. Wheel number one is now removed from the support bracket and placed on hub number two. The process is repeated on the other side of the vehicle, and the task is completed with virtually no bending (unless you drop a bolt or tool). An available over-the-engine creeper provides ready access to engine compartments, without putting your back at risk (see photo upper right). Using this unit, the technician stands on the appropriate step and rests his/ her torso on the horizontal pad. The pad’s height and angle are adjustable as is the angle of the upright ladder component. These units are available through NHAD Services at an extremely attractive price – see our Web site for details. (Go to www.nhada.com; in the “Special Alerts” box on Home Page, scroll down to “Topside Creeper.” You may also click on “On-Line Catalog” in the Site Map and type in “Topside Creeper” in the search box.) February, 2006 Dateline: NH Many simple solutions are easy to address at the personal level. I’m 6'3" tall, and I get constant back pain working while standing at a bench for more than a few minutes. By raising the level of the bench a few inches, the problem goes away. Ideally, a workbench top surface should be positioned at half your height. Most standard benches are 32" high, but I need 38", so the obvious fix is to raise the bench 6" … simple. Now, my workbenches are 38" or higher. a publication of the New Hampshire Automobile Dealers Association Topside Creeper To order, simply go to www.nhada.com; in the “Special Alerts” box on the Home Page, scroll down to “Topside Creeper.” You may also click on the “On-Line Catalog” link in the Site Map, and type in “Topside Creeper” in the search box. Adjusting the height and positioning of components at computer workstations have produced dramatic results. Using ergonomically adjustable chairs and other components also contribute to the reduction of various aches and pains that result from long sessions at the keyboard. As the Loss Prevention staff develops new solutions to ergonomic issues, we’ll publicize the information in Dateline and elsewhere. If you have any specific ergonomic problems or solutions, we’d love to discuss them with you. Call us at 800-852-3372, or e-mail us at: rgodbout@nhada.com, bduplessis@nhada.com, rhale@nhada.com, or paustin@nhada.com. We’re also available to conduct ergonomic surveys for workstations. The NHADA WCT Loss Prevention Department offers a number of free services and helpful tools to WCT members. Feel free to browse our Web site, www.nhada.com, and click on Safety and Environmental Services, then Safety. You will be able to request a visit, order free safety supplies, obtain sample safety programs, and much more! February, 2006 page 23 Dateline: NH a publication of the New Hampshire Automobile Dealers Association (as of 1-24-06) Thank you PL ATINUM PLA N. E. DODGE DEALERS ADVERTISING ASSOCIATION UNIVERSAL UNDERWRITERS GROUP WMUR-TV/NEW HAMPSHIRE GOLD CITIZENS BANK NEW HAMPSHIRE UNION LEADER WIGGIN & NOURIE, P.A. 2006 ASSOCIA TION PAR TNERS SSOCIATION ARTNERS BRONZE AFTERMARKET SPECIALISTS/ROYAL ADMIN. ALBIN, RANDALL & BENNETT ALLTEX UNIFORM RENTAL SERVICE ANTHEM SPECIALTY ARMORED TIRE USA AUTO AUCTION OF NEW ENGLAND BG PRODUCTS/WAREHOUSE DISTRIBUTORS OF NE CREDIT UNION DIRECT LENDING G W MARKETING SERVICES HRH NORTHERN NEW ENGLAND JM&A GROUP JEWETT CONSTRUCTION CO., INC. NANCY PHILLIPS ASSOCIATES, INC. PROTECTIVE RATH, YOUNG AND PIGNATELLI, P.A. RESOURCES MANAGEMENT INSURANCE AGENCY SEACOAST MEDIA GROUP SOVEREIGN BANK TD BANKNORTH, N.A. TIRE WAREHOUSE TYLER, SIMMS & ST. SAUVEUR, CPAS, P.C. SIL VER SILVER ADESA BOSTON AMERICAN FIDELITY ASSURANCE COMPANY ANTHEM BLUE CROSS AND BLUE SHIELD DEVINE MILLIMET ENTERPRISE RENT A CAR LACONIA SAVINGS BANK MANHEIM’S AMERICAN AUTO AUCTION NEW ENGLAND CHRYSLER-JEEP DEALERS ADVERTISING ASSOCIATION NORTHEAST DELTA DENTAL O'CONNOR & DREW, P.C. & OCD CONSULTING, LLC SOUTHERN AUTO AUCTION ST. MARY’S BANK WINDWARD/EXXON MOBIL If your name is not listed, please contact Louanne Theriault at 800-852-3372 or at ltheriault@nhada.com. New Hampshire Department of Safety, Division of Motor Vehicles Title Statistics Report Month Ending: 12/31/05 (See 2005 title statistics recap article on cover page) December 05 YTD 04 YTD Titles Issued for New and Demo Vehicles: Titles Issued for Used Vehicles: TOTAL TITLES ISSUED: 14,107 24,925 39,032 127,352 235,228 362,580 143,424 276,371 419,795 Titles Issued with a Lien: Titles Issued with no Lien: 19,469 19,563 159,085 203,495 179,486 240,309 Salvage Titles Issued: Salvage Tags Issued: 670 214 8,757 3,114 9,510 3,654 Titles Issued for Heavy Trucks More than 15 Years Old: Titles Issued for Heavy Trucks 15 Years Old or Less: Titles Issued for Trailers: Titles Issued for Motorcycles: Titles Issued for Motor Homes: 44 183 1,016 1,130 112 532 2,038 11,466 15,816 1,219 560 2,205 13,138 16,835 1,602 page 24 February, 2006 A Name You Can Trust Nancy Phillips Associates 90% of the Dealerships We Represent are Sold Within 9 Months Transactions Completed in 2004 - 2005 Dealership . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Franchise . . . . . . . . . . . . . . . . . . .Area Dreher-Holloway BMW . . . . . . . . . . . . . . . . . . . . . . . .BMW . . . . . . . . . . . . . . . . . . . . . . . . .Stratham, NH Fairhaven Mazda, Inc. . . . . . . . . . . . . . . . . . . . . . . . .Mazda . . . . . . . . . . . . . . . . . . . . . . . .Fairhaven, MA Fino Chrysler-Dodge-Jeep . . . . . . . . . . . . . . . . . . . . .Chrysler-Dodge-Jeep . . . . . . . . . . . . .Mendon, MA Fred W. Smith, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . .Chrysler-Dodge . . . . . . . . . . . . . . . . .Wakefield, RI Green Mountain Lincoln-Mercury-Nissan . . . . . . . . .Lincoln-Mercury, Nissan . . . . . . . . . .Barre, VT Kia of Old Saybrook . . . . . . . . . . . . . . . . . . . . . . . . . .Kia . . . . . . . . . . . . . . . . . . . . . . . . . . .Old Saybrook, CT Marble Motor Company . . . . . . . . . . . . . . . . . . . . . . .Cadillac . . . . . . . . . . . . . . . . . . . . . . .Haverhill, MA Merrimack Suzuki . . . . . . . . . . . . . . . . . . . . . . . . . . . .Suzuki . . . . . . . . . . . . . . . . . . . . . . . .Merrimack, NH Motor City Nissan . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nissan . . . . . . . . . . . . . . . . . . . . . . . .Saco, ME Performance Motor Sales . . . . . . . . . . . . . . . . . . . . .Mercedes-Benz . . . . . . . . . . . . . . . . .Falmouth, ME Stanley Subaru . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Subaru . . . . . . . . . . . . . . . . . . . . . . . .Trenton, ME Suzuki of Lynnway . . . . . . . . . . . . . . . . . . . . . . . . . . .Suzuki . . . . . . . . . . . . . . . . . . . . . . . .Lynn, MA Town Auto Sales, Inc. . . . . . . . . . . . . . . . . . . . . . . . . .Chrysler-Dodge . . . . . . . . . . . . . . . . .Ellsworth, ME Zee Ford Real Estate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Branford, CT For a confidential discussion about your dealership, call 603.929.0006 www.nancyphillips.com Nancy Phillips Associates, Inc. 87 Lafayette Road, P.O. Box 600 Hampton Falls, NH 03844 P/603.929.0006 F/603.926.1014 E/auto@nancyphillips.com 24 Hour Tire Road Hazard Coverage Nationwide Who We Are Armored Tire USA offers 24 hour emergency tire road hazard service nationwide. Our representatives have over 35 years of combined experience in the RV, auto and insurance industry. We offer coverage on a wide range of new and used vehicles, and our five-star customer satisfaction rating insures that you will receive prompt, courteous assistance when you need it most. For your peace of mind choose Armored Tire. Features & Benefits Coverage Toll Free Live Support Flat Tires Weekend Service Lodging Easy Financing Mounting and Balancing No Deductible Towing (up to $100) Transferable Policies (adds value to resale) Wheel & Rim Damage Automated Contract Retrieval for Claims Handling Valve Stems Claims Paid in a Timely Manner Sales Tax Disposal Fees No Max On Occurrences Monthly Drawing for Free Oil Change at Your Dealer We’ve got you covered. Eligible Vehicles Common Road Hazards Armored Tire Road Hazard Policy is available on most new & used vehicles Coverage is provided for a variety of hazards Packages available. See store for details. Autos RVs Golf Carts Glass Nails Potholes Campers Boat trailers Horse trailers Metal Debris Blowouts Utility Trailers Snowmobile Trailers Five Star Customer Satisfaction with Peace of Mind Claims: 1-888-507-7221 Dealer Inquiries: 1-888-507-7222
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