Welcome to Tote The Note, where we talk all things Buy Here Pay Here! Join fundamentalist, launch planning specialist, and cash flow guru Jim Rhoads in informative discussions covering the latest industry news and the hottest trends in the automotive self-financing business. Listen to financial experts, thought leaders, and the most seasoned operators as they provide answers to the most important questions surrounding industry practices. What are the keys to long term success.  How to finance more customers? Are there ways to reduce risks? Learn all of that plus more.