Hi Guzman Family, sobrang thank you. isa itong video mo na nagamit ko para makipag negotiate sa sales agent through email. NEW 2024 Toyota Corolla LE Hybrid with LE Convenience package MSRP: 27,985 MSRP after discount: 24,923.93 OTD: 26,750 Wala pa ako sa US hanggang ngaun. Asawa ko lng nasa NC. Maraming salamat sainyo at sana madami pa kayo matulungan.
Awww.. Tumayo balahibo ko sa comment nyo 😄.. To hear from someone who actually applied the strategy, very satisfying! 🥳. Any amount of discount helps! Salamat sa pag comment and Congrats sa kotse nyo 👍👌. Woohoo!
Subscribed. Gusto ko ang video niyo kasi nasa realidad lang talaga ang mga pina paliwanag ninyo, napaka klaro at sinasabi niyo ang advantages at ang disadvantage para sa kapakanan ng kapwa.
Dagdag na payong kabayan lang on the financial side. Not because you can pay the monthly payments mean you can afford the car. Kasarap ng buhay sa US ng walang utang and always is the best path for financial freedom (and early retirement). We bought 2 na modelo and brand new vehicles when we migrated sa US almost 10yrs ago. And although we were able to fully pay for both within 3yrs, we still consider that one of the worst financial mistakes namin sa US. Ive never bought any car brand new eversince, and always pay cash. You think its ok to pay the monthly payments but it just changes your whole perspective sa Finances nyo and almost always ends up impacting yung ibang gastos sa family, and most especially your retirement funds (always think of compounding interest on your investments vs your depreciating assets).
Agree po. Though yung 2 kotse po namin ay brand new binili 😅 , dahil sa takot na may masira at wala kaming alam sa sasakyan, though brand new, yung lowest, cheapest trim na model lang ang binibili namin. At 10yrs at 9 yrs old na po mga sasakyan namin, and we plan on keep using them until them wheels fall off 😅. At nung na paid off na po, diretso sa investments yung supposedly ipang hulog sa sasakyan. Salamat po sa insight! 👍
Financial freedom is the way to go! Marami mga Filipino na i-justify nila ang pambili ng new cars or soending on unnecessary things, sabihin nila eh pinaghirapan ko naman eto so I can I spend whatever I want not thinking about their retirement. Sasabihin malayo pa naman yun… but time is fast before you know it nandiyan na yan…. and isn’t it good to retire with dignity, hindi umaasa lang sa kids or relatives😊
@@rosehidy2943 💯 Agree po. One of our regrets ay sana naisip namin to ng mas maaga pa. Sabi nga nila, the best time to save and invest is 20yrs ago. If you missed it, the 2nd best time is Now! Thank you po!
Your comment is the best advice out of this whole video. Never negotiate on monthly payments. Don’t buy brand new. You will always lose and end up broke.
@@aqone Medyo natatakot lang po kami pag nasiraan kaya nag brand new n kami, though my first car is second hand pero naloko din dahil nataga kami sa dealer 😅. Happy naman kami dahil 5 years na kami hindi nag huhulog ng sasakyan and hoping na mag last pa atleast 5 more years 🤞. Salamat po sa comment 👍
Amazing video. I call dealerships stealerships. Not really a car person pero dahil sa texas ako driving is a way of life. I think the problem on most the states unless your in chicago, nyc, philadelphia no choice ka but to drive. May change oil yan, registration, and insurance. Bukod sa nagpapagas ka. Ako natuto din ako maging firm if its a hot car then fine may bibili nyan no need to convince me. Lolz.
lagi natin kunin ang "Out the door" amount. wag tayo magbigay kung magkano ang kaya natin monthly dahil ang importante is magkano yung amount out the door (taxes and everything) best thing is mag pre approved sa banko, and then kapag pumunta sa dealership and tinanong if cash or finance, sabihin na hindi ka pa decided, depende kamo sa OTD price. kapag nakuha ang OTD price, check ng maigi kung ano ang mga dinagdag ng dealership. in addition check kung magkano ang discount nf manufacturer and discount ng dealership, magkaiba yun. wag tayo mag focus sa monthly mag focus tayo sa out the door amount ng kotse. good luck mga kabayan!
@@neilignacio1302 💯💯 Agree po. Mahirap po talaga pag baguhan kang bibili at walang mag guide sayo. Malaki chance na mag overpay ka talaga, kawawa lalo na yung mga sakto lang ang kinikita at kailngan lang ngbsasakyan pang nahapbuhay. Salamat po sa tip👍
The best car is the one you can afford and maintain. Period. Kung ndi ka sigurado na matatapos mo ng maaga ang installment, better buy a secondhand. And when buying a secondhand, bring a trusted mechanic.
Sa mga mkabasa ng comment ko. Follow the 20-4-10 rule. - 20% dp - 4years to pay off - 10% net income should be on the maintenance, tires, etc. If lahat yan na check sa inyo then go for it.. or pay in cash. And on the side note.. explore other brands like Mazda, Honda, Subaru and Chevrolet. They're very reliable too.
Shop online first…get an offer from different dealerships. Out the door dapat below MSRP (new car). Never pay MSRP or more. Kung may offer na gusto mo make sure to bring a copy of an offer and haggle a little more.
All good points. Remember, once you go to a car dealership, you're shark bait. They're not your friend no matter how nice they are to you. Their goal is to sell that car to you quick whatever it takes. Lugi kasi sila the longer a car sits at the dealership. Be prepared for battle. What I mean is do your research about the car you're interested in pricewise. Control your emotions just because it's the right color, trim or naloka ka sa smell of new leather seats. Have a full meal or better yet, bring snacks coz they will hold you hostage for hours haggling in their battle room. Once you think you agreed on the right price, then they'll move you to the next torture chamber. The financing dept. Sakit sa ulo eto. My suggestion is to just say NO to everything they offer you. It's just another ploy to add $$ to your final purchase price. Getting my financing thru my Credit Union, I usually avoid this hassle. All I do is hand them the check from the bank. Done. I think it's important for our kababayans to be informed consumers. Thank you for doing this 👍
This summarizes the 40minute vlog plus more hehe.. Mali pa ata sabi ko na western union, I meant Credit union just like what you said. 💯 agree sa mga offer pagdating sa financing/insurance chamber 😂. They initially give you a price for the insurance package and if you keep saying no, they keep reducing the price to attract you 😂, paka scam talaga. Maraming salamat po sa comment na to 🙏👍
@@Guzman_Family_Vlogsnatawa din ako sa western union sir, pero tinapos ko padin, salamat po sa tips.. eto nag hahanap ako ng car ko dito sa Michigan hehe. baka may refer kayo na credit union diyan na hindi gaano kataas DP, newly migrate po ako here, co-signer ko sana mom-in-law ko which is maayos po CL niya :)
@@LoveDecker002 Hi Love, oo nga e 😂. Sa totoo lang di ako nakagamit ng credit union, pero alam ko in general mas okay ang rates nila kesa sa dealer. Yung dealer lang din bale ang ginamit ko kasi ang baba kasi nung OTD price na nakuha ko, sabi ko as long as bigay yung presyo ko, kahit sa kanila na lang ako mag financing okay lang.
Important talaga bago pumunta sa car dealership marunong ka dumiskarte sa kanila nun bumili din kami ng sasakyan muntik kami mabudol. Buti nalang marunong makinig asawa ko sakin at sinugurado namin lahat ng car dealer na pinuntahan no MSRP. Sa case namin may luxury car kami trade sa kanila kaya pina estimate muna ung value ng kotse carfax pero ung value Syempre sa iba car dealer bago namin pinili ung place kasi gusto namin masmataas ung value na offer nila sa kotse namin utakan ba. Sakto ung kotse na gusto namin kararating pala sa pier so wala pa reserve at offer kasi nun time na binili namin ung kotse low inventory. Hanggang sa nakuha namin ung kotse ng di kami nabudol.
Importante talaga check not only 1 but multiple dealerships, iba-iba po talaga presyo nila, (except sa teslas). Good job po, you can save thousands just doing that. 👍
@@gildalim1763 We always thought of that route. Nice to hear that we don’t have to deal with haggling by going through them. Will definitely consider that next time. Salamat po sa tip.
42 years old na ako dito sa US pero di ako nag papa pressure sa mga sales persons😅😂😅, ako lang nakikideal kasi nahi hiya ang asawa kasi makulit tumawad you can call the mag tanong ka sa banko ang Kelly blue book value if you buy a second hand at puede rin ma find out ang history yung sasakyan.
Just an honest opinion in the United States owning a car is more for necessity to bring you to point A into point B and for any emergency the family need dealers will always try hard to sell you a car it's the only way they make commission buy a car with in your means a car only last for a few years good luck buying care is not for showing to others
Ang out the door price ng car iba iba yan depende din sa credit score.Kung 2 kayong bibili sa same car,mas malamang mababa ang payment kung mas mataas ang credit score mo.
Thank you sir sobra dami ko nakuhang info and ideas sayo lalo na dadating kami sa US sa June. And I need to get a car. Wala kasi public transpo sa place ko.
Para sa inyo talga to, lalo na sa mga baguhan.. Mahirap mangapa, di alam kung saan mag sisimula. Be assertive lang at huwag mahihiya o ma intimidate sa kanila. Congrats sa pag migrate ng family mo 👍🙏
good tips to sir sa mga bago dadating at bibili dito. 👍 and dun sa trade tama, kaya never ako mag trade in, masyado barat. problem naman sir pag bago dto and wala pang credit score, so hard to even just talk to an agent some dealers wont even agree without co-signer with credit score
Thank you again for sharing your experience and tips lodi Roland. Grabe walang sayang na minuto talaga sa every vlog ng guzman fam. Dami mapupulot na valuable infos ng mga migrating filipinos to US specially nurses. Bonus pa na very entertaining and inspiring lalo yung way of living niyo po na very simple but you make sure to cherish every moment with your family. Hindi nako nakakacomment lately pero never po ako nag missed ng uploads niyo. Hope to meet you po Guzman Fam when we get there. Pa shout out nadin po Lodi🥰
Totoo po, may katrabaho ako naka tesla, yung isa kabibili lang ng Rivian. No hassle nga daw po, what price you see is what you get at daming incentives nga daw. Alam mo panatag at di ka maparanoid dahil alam mo di ka lolokohin. Thanks for bringing that up 👍
Naku, di po kami expert pag dating dyN mam Christie 🥴. One thing is for sure, kung kaya, or kayanin nyo at least 20% downpayment. Saka maganda school district na area po.
Solid lods! Thankyou. 💪 Anyways, ano po mapapayo nyo between: car leasing and financing? Also, I have a Nissan SUV dito s Canada, then planning to migrate s US, do you think I should sell my car while I'm here s Canada pa or ito nlang ang gamitin ko na vehicle jan?
Gaano na ba kaluma si SUV? Almost end of life na ba or bagu-bago pa? Kelangan mo research yung registration, dinig ko kasi mahal registration kapag yung sasakyan manggagaling sa ibang states (how more coming from other country). Timbangin mo kung ano mas okay, either benta mo kotse mo dyan tapos bili ka n lang ng bago dito. Di din ako sure dyan masyado. Between car leasing or buying. I will always go for BUY, but its just me. We like to buy and use pur cars till its wheels fall off. Di kami yung tipong papalit-palit ng sasakyan. Its just our preference. Sayang kasi pera 😅. Good luck!
Kahit anong pagigipag deal ng buyer never mananalo sa car dealer tandaan nyo po yan mga kabayan, kala mo naka good deal ka na pero never mangyayari yun hehe
Somehow kailangan din nila kumita kahit papano. Pero sa mga hindi nakaka alam ng kalakaran at hindi tumatawad will end up paying thousands more. I did not pay above msrp, or at msrp, not even invoice price. We paid couple of thousand below invoice price. Imagine kung di sila maka negotiate, parang sinagot nyo yung pang engrandeng bakasyon nila hehe. Thank you po.
Thank you sir Ronald! I’m almost 8 months na here sa San Jose, Cali. I’m thinking to buy a car na soon. Mabuti nalang at nakita ko bagong upload mo. Nagka idea ako kung paano ako makikipag negotiate sa mga car dealership. Wala talaga kasi akong idea.
Good luck! Though matagal na naexperience to, baka madami na ding changes dahil dinig ko madami na nagrereklamo sa ganyang sistema. At least may idea ka, just be guarded. Good luck!
Just a piece of advice, never go to a Filipino car salesman. You might think they’re going to help you because they’re kababayan but it’s a big NO! They’re going to rip you off!
Daming add ons pag babayaran mo na lalo na kapag full mo bayaran. Buti may existing insurance na kami at nasama na dun. Now daming bagsak price ng sasakayn sa US dahil overstock sila. Next time full cash payment nyo na para may upper hand ka kasi alam nila anytime pwde kayo umalis at lumipat.
Sir d2 sa pinas bihira gamitin yang trade in.luge din kse. With regards in buying brand new car, thru bank financing ginawa ko thru my bank account. Then nagpaquote ako sa bank , nagpaquote din ako thru inhouse financing para madali ko ma evaluate and it shows mas mura ang bank financing. Jan ba sa US bihira ang bank financing? Mabait masyado yung sales mo sir 😀 kabayan pa man din
Oo meron din Auto finance mga bangko dito, pero pag binigay nila yung mababang presyo na gusto ko, yung sa dealership n lang yung ginagamit ko, as long as ang presyo lalabas after interest at fees ay yung out the door price na napagkasunduan namin. Mabait nga yung si kabayan, nagpanting yung tenga ko lol.. di ko nagustuhan joke nya haha.. pagod na din kasi kami siguro kasi ilang oras na kami dun sa dealership na yun.
Hahaha sa “Stealership.” I think okay na yung 4 years, mas may timbang cguro kung ano yung Credit Score. Yung credit score sa financing naman yun, they base the interest rate sa score mo. Mag shop ka muna sa mga Credit Union banks, pa pre approve ka car loan dun usually mas mababa interest rate nila kesa sa Delership mo ipa finance.
Hello Sir, new follower mo po ako, sa September po mag travel na po ako to US with family, ako po ang main applicant and dependent ko si hisband and 2 kids. Both po kmi mag asawa hindi marunong mag-drive. Pahingi po ako sir magandang tip anung ok na diskarte para mas maging magaan ang transition ko/ namin. Lalu na sa mga new driver na tulad ko.
The best advice mabigay ko sa inyo. Mag aral na po kayo dyan mag maneho, avail driving school dyan, malaking tulong. Mas mahal ang driving instructor dito sa amerika. At least mas konting oras na lang kailangan nyo sa driving inststructor dito (cheaper) dahil alam nyo na yung basic ng pag mamaneho. At least man lang isa sa inyo, kung dalawa kayo mas mabuti. Pwede din naman kayo gumamit ng public transpo para panimula, pero depende din kasi kung saan lugar kayo. May areas na mahirap ang access sa public transpo. Or worse comes to worst mag uuber kayo tuwing lalabas kayo, magastos lang. Good luck and congrats sa family nyo 🙏🤗
I just go to my bank and get a pre-approved car loan..they give discounts to valued clients. I bring that pre-approval to car dealership so I don't need to negotiate for financing. So yung final price na lang kelangan ko inegotiate sa dealer tsaka di na nla kelangan mag credit check.
Kami nga freind ng byenan ko kapwa pinoy and ka church pa namin so tiwala kami pero ginawa talaga nya ang lahat kumita lang 😂 naka pag research naman kami ng konti since 1st time buyer kami pero magaling talaga yang mga dealer nayan mang budol bitter sweet experience but we definitely Learn our lesson in a hard way nga lang😂
I feel your pain. Nakakagigil di po ba? Only those na nakaranas would understand. When you step in the dealership Be Ready & Don’t Be Afraid To Say “NO!”. Kahit taga simbahan pa wag basta-basta mag tiwala, I’m not saying all but some of them use the church para magka network. At least you know now better 👍
Kung gusto nyo asarin yung sales agent makipag haggle kayo ng matagal pag kwentahin nyo tapos sabihin nyo ika cash nyo na lang full payment hehehe asar yun pihado maliit lang kase kikitain nya sa inyo
Nangyari po samin din yan nung sinamahan ko ung uncle ko, almost whole day kami. Ayaw ibalik nung filipino sales man yung susi na suppose to be i-trade in na sasakyan namin nung nagbaback out na kami dahil masyado gahaman. Na threaten pa kami, Sabi pa samin “Alam ko saan kayo nakatira!” Dahil nag fill up n kami ng application 😂. Sayang nga di kami nakapag file ng complain 😅. Salamat po.
@@Guzman_Family_Vlogs danas din po namin yan dito sa Canada masakit man sabihin pero may ilang pinoy na nangloloko ng kapwa po natin and tindi di ko po alam pano nila naaatim mangloko. Hindi po umubra yung isa sakin e lumabas yung pagiging laking kalye ko di nya ako napaikot po hehe! Backed out ako sabay punta sa ibang dealership na matino kausap.
😂😂.. natawa ako sa laking kalye lol. Di naman po lahat, pero pag kapwa pinoy ang ahente mas makompyansa pa ang pag harap sa customer, tingin nila easy prey pag kapwa Pilipino unfortunately. Kaya pag baguhan bumibili at walang alam, kakarnehin talaga bulsa nyo.
hi sir ask ko lng po sa ias po ang apr n bngay samin 10% and 72 months to pay medyo mabigat po yung monthly and halos 2 times ng msrp yung babayaran, any tips po pra makakuha ng car na mababa yung apr na walang credit score po? parating pa lng po sa US sa Aug 25 po. Thank you po.
Wala po talaga kayong laban dyan. Actually limalabas pa na theyre doing you a favor and theyre taking risk dahil wala pa kayong credit. Advice ko lang: a. meron po kayo kakilala na mag titiwala sa inyo na pwedeng mag cosign, makakakuha kayo ng mababang apr (if maganda credit nya) b. Kumuha na lang kyo ng second hand pansamantala sa fb marketplace. Ingat pang po sa pagpili, mas maganda kung may alam kayo sa sasakyan, minsan nagdadala ng mekaniko pag check ng sasakyan kung may problema bago bilhin. c. Tingin kayo sa Credit Union bank kung nag papa loan sila, baka mas mababa yung interest na pwedeng ibigay sa inyo. Masyado mataas ang 10% sa 72mos pa. I will do 2nd hand na mura at hopefully tumagal until maka build ako ng credit score para in the future makabili ng hindi matataga. Good luck po.
Wowowoow!! Yea plano po bumili next year. Dito po ako sa bay area. Pero mas ok po ba bumili sa Oregon dahil wala tax or the same lang din po? Thank u and mabuhay 🎉
Ang tax po ay charged based kung saan registered yung owner, usually kung saan nakatira ka, hindi po kung saan binili. So kahit sa Oregon kayo bumili pero naka address kayo Cali, sa City kung saan sa Cali tax rate po ang iaaply. Good luck mam Joann! 🙏
nasa middle east ako at soon jn na ako sa US. may konte akong madadala na pera aside from my gratuity. Im fed up with second hand cause of too much repairs, Im not knowledgable with cars. Im planning to get brand new like pilot, pathfinder. is it a good decision for me as a new comer in the US?
I personally leans toward brand new din po. Di din ako ma alam sa kotse, mahirap na, minsan imbes na makatipid e napapmahal pa. Maganda po yung Pilot or check nyo din kung magustuhan nyo Toyota highlander or 4runner. Madami po b kayo kasama mag mimigrate and you need 7 seater na sasakyan? Good luck po
" kung SMART ka hindi ka maloloko, --- at kung sinasabi po nu HINDI nu maiisahan ang DEALER ay WRONG kau dian --- remember it's ALL BUSINESS, at DAPAT KUMITA cla ---- u want a car, SPEND ur 💰, dude ---- huag kang mag isip na ikaw ay MALOLOKO nila ---- it's like in COURT bago ka mag appear doon au HANDA ang Judge at all angles of discussion ---- ganon din sa CAR DEALER, TERRITORIA nila ian , HANDA na cla, kung ano ang mga SALES TALK at BUSINESS enganyo nila sa u at HUAG ka nang mag isip pa na lolokohin ka nila ---- want a CAR ,JUST BUY it HAPPILY PERIOD."
@@genegene2468 Mukhang isa din kayong Ahente sa dealership ha 😂. Kaya po pala nakahanap ako ng dealer na nagbigay ng mas murang offer sa parehing kotse. At tuwing ready na kami mag walk away sa dealership e hahabulin pa kami at mag ooffer pa sila na “Sila na daw magbabayad ng tax” as a discount. Wow.. doon pa lang Red flag na at alam mo na inaabuse nila ang system dahil sobrang padded ung presyo nila para malaki ang commision nila. Yes, I will BUY A CAR HAPPILY, AND FOR ME, I WILL BE HAPPY TO BUY A CAR KNOWING I BOUGHT IT IN A FAIR PRICE WITH MY HARD EARNED MONEY NA PINAGHIRAPAN KO NA DI GALING SA PANG-GUGULANG.. PERIOD
@@Guzman_Family_Vlogs define FAIR PRICE ? --- at kung akala mo fair price ay I don't think so. --- hindi naman ako na wowork as Sales or sa dealership , ---- 7 times lang kami bumili na ng brand NEW sedan car, suv at truck.PARA sa family. ---- May mga GOOD DEAL kaming natsambahan : 2x lang na NO INTEREST, NO down payment required at un lang kami sobrang masaya kahit na PANALO parin ng gusto ang car DEALER 😊☺️"
@@kapitantiam7345 pwede po naman kahit walang credit card. Pero pwede po kasing gamitin din ang CC to your advantage, just use them pero pay off nyo yung balance. Meron kasing CCs na nag ooffer ng cash rewards. Yung credit history matic na po yan, basta nagbabayad kayo halimbawa na lang ng bills mag generate na yan. Kung Cash ang ipangbabayad nyo sa Bahay at Kotse (hindi utang) di nyo kailangan ng Credit Score.
@@mrperfectjohn5 Okay lang, tama yang ginawa mo at di mo pinilit, mas importante you feel secured lalo na sa finances, kesa s pagsisihan mo pag nag work against sayo. 👍
To buy a car, you walk in to the dealer 10 mins. before they close. Coz they will not have the patience to haggle w/ you...and will give you what you ask. LOL. If you go in first thing in the morning, they are ready for you. You will be jerked around the whole day. LOL. If you have a job, you will get a car.
Mas okay sa online para may soft/digital copy ng presyo pag nagbigay ng quote via email, kung makipag negotiate kayo sa ibang dealer may maipapakitang legit na price quote. Parang bumibili ka sa bestbuy or target ng electronics nag pa-price match sila sa ibang tindahan pero kailangan may proof k na mas mababa sa ibang store, not just word of mouth. Pag tawag madali lang magsabi ang agent ng presyo tapos pagpunta mo din iba pala sasabihin, wala kayong maipapakita proof kundi sabi lang sa telepono 😅.
So far majority ng na encounter namin. But theres 1 na matino (out of 5 cguro 😅). Be educated lang at mapag masid, don’t put your guard down. Okay na yung parating feeling paranoid na parati kang lolokohin, kaysa s mabilis mag tiwala. Madami na din beses ako naloko kaya it made me more cautious which i think is a good defense mechanism na din.
@@Guzman_Family_Vlogs You guys seem to be nice people. Maganda kayo mag-handle ng family niyo. Ingat lang palagi, most of the time kasi hindi maganda ang experience namin with pinoys here sa socal. It’s sad pero you just have to learn how to deal with it.
@jimmyjimjimjim20 naku, diyan din yung bad experience namin sa socal, super dami at dikit dikit dealership dyan, mahirap n talaga magsalita, imagine yung mga naive na bumibile na akala nila tapat ang presyo, yun pala libo yung nawawala sa kanila. Kawawa po talaga.. Salamat po🙏
Haha.. Kahit cash kelngan mo pa din mag negotiate 😅 sa OTD price, baka lakihan din ang presyo pag cash kasi mawalan sila ng kita sa interest pag di ka nag finance sa kanila 😅.
@@EvangelineDerobles-yw1vw Good morning po. Very broad po ang topic na “Buhay Amerika.” Lahat po ng video namin ay kuha sa amerika at parte ng buhay namin na nangyayari sa Amerika. Ano po ba inaasahan ninyong makita?
Hahahaha kahit po sa call center ganyan rin kami di namin agad ibinibigay ang gusto ng cx para mas Malaki profit namin.grabe naman ung Pinoy na un hahahaha nakawin talaga ung car nila hahahaha
![Pinoy na PARI sa AMERIKA -- inuna ang tawag ng laman, KULONG! [ Tagalog Crime Story ]](/img/n.gif)
Hi Guzman Family, sobrang thank you. isa itong video mo na nagamit ko para makipag negotiate sa sales agent through email.
NEW 2024 Toyota Corolla LE Hybrid with LE Convenience package
MSRP: 27,985
MSRP after discount: 24,923.93
OTD: 26,750
Wala pa ako sa US hanggang ngaun. Asawa ko lng nasa NC. Maraming salamat sainyo at sana madami pa kayo matulungan.
Awww.. Tumayo balahibo ko sa comment nyo 😄.. To hear from someone who actually applied the strategy, very satisfying! 🥳. Any amount of discount helps! Salamat sa pag comment and Congrats sa kotse nyo 👍👌. Woohoo!
@@Guzman_Family_Vlogs Thanks po.
Subscribed. Gusto ko ang video niyo kasi nasa realidad lang talaga ang mga pina paliwanag ninyo, napaka klaro at sinasabi niyo ang advantages at ang disadvantage para sa kapakanan ng kapwa.
@@penaromeropsoidemer4841 Opo, gusto lang po makatulong ☺️. Salamat po! 🤗
Dagdag na payong kabayan lang on the financial side. Not because you can pay the monthly payments mean you can afford the car. Kasarap ng buhay sa US ng walang utang and always is the best path for financial freedom (and early retirement). We bought 2 na modelo and brand new vehicles when we migrated sa US almost 10yrs ago. And although we were able to fully pay for both within 3yrs, we still consider that one of the worst financial mistakes namin sa US. Ive never bought any car brand new eversince, and always pay cash. You think its ok to pay the monthly payments but it just changes your whole perspective sa Finances nyo and almost always ends up impacting yung ibang gastos sa family, and most especially your retirement funds (always think of compounding interest on your investments vs your depreciating assets).
Agree po. Though yung 2 kotse po namin ay brand new binili 😅 , dahil sa takot na may masira at wala kaming alam sa sasakyan, though brand new, yung lowest, cheapest trim na model lang ang binibili namin. At 10yrs at 9 yrs old na po mga sasakyan namin, and we plan on keep using them until them wheels fall off 😅. At nung na paid off na po, diretso sa investments yung supposedly ipang hulog sa sasakyan. Salamat po sa insight! 👍
Financial freedom is the way to go! Marami mga Filipino na i-justify nila ang pambili ng new cars or soending on unnecessary things, sabihin nila eh pinaghirapan ko naman eto so I can I spend whatever I want not thinking about their retirement. Sasabihin malayo pa naman yun… but time is fast before you know it nandiyan na yan…. and isn’t it good to retire with dignity, hindi umaasa lang sa kids or relatives😊
@@rosehidy2943 💯 Agree po. One of our regrets ay sana naisip namin to ng mas maaga pa. Sabi nga nila, the best time to save and invest is 20yrs ago. If you missed it, the 2nd best time is Now! Thank you po!
Your comment is the best advice out of this whole video. Never negotiate on monthly payments. Don’t buy brand new. You will always lose and end up broke.
@@aqone Medyo natatakot lang po kami pag nasiraan kaya nag brand new n kami, though my first car is second hand pero naloko din dahil nataga kami sa dealer 😅. Happy naman kami dahil 5 years na kami hindi nag huhulog ng sasakyan and hoping na mag last pa atleast 5 more years 🤞. Salamat po sa comment 👍
Amazing video. I call dealerships stealerships. Not really a car person pero dahil sa texas ako driving is a way of life. I think the problem on most the states unless your in chicago, nyc, philadelphia no choice ka but to drive. May change oil yan, registration, and insurance. Bukod sa nagpapagas ka. Ako natuto din ako maging firm if its a hot car then fine may bibili nyan no need to convince me. Lolz.
@@rktx77 Hahha.. tama.. “edi kanila na, hot pala e” 😂
lagi natin kunin ang "Out the door" amount. wag tayo magbigay kung magkano ang kaya natin monthly dahil ang importante is magkano yung amount out the door (taxes and everything)
best thing is mag pre approved sa banko, and then kapag pumunta sa dealership and tinanong if cash or finance, sabihin na hindi ka pa decided, depende kamo sa OTD price.
kapag nakuha ang OTD price, check ng maigi kung ano ang mga dinagdag ng dealership. in addition check kung magkano ang discount nf manufacturer and discount ng dealership, magkaiba yun.
wag tayo mag focus sa monthly mag focus tayo sa out the door amount ng kotse.
good luck mga kabayan!
@@neilignacio1302 💯💯 Agree po. Mahirap po talaga pag baguhan kang bibili at walang mag guide sayo. Malaki chance na mag overpay ka talaga, kawawa lalo na yung mga sakto lang ang kinikita at kailngan lang ngbsasakyan pang nahapbuhay. Salamat po sa tip👍
The best car is the one you can afford and maintain. Period. Kung ndi ka sigurado na matatapos mo ng maaga ang installment, better buy a secondhand. And when buying a secondhand, bring a trusted mechanic.
@@ap_jaeger6164 salamat po sa tips 👍
very helpful para sa mga newbie kagaya namin😅
Glad to help! 👍
Sa mga mkabasa ng comment ko. Follow the 20-4-10 rule.
- 20% dp
- 4years to pay off
- 10% net income should be on the maintenance, tires, etc.
If lahat yan na check sa inyo then go for it.. or pay in cash.
And on the side note.. explore other brands like Mazda, Honda, Subaru and Chevrolet. They're very reliable too.
Naalala ko yung sa MoneyGuy version na 20-3-8, pero yung 8% is the car payment (not including the maintenance). Salamat po sa pag share 👍.
Mabuhay ka boss ganda ng content mo at explanation mo nagkaron ako ng idea Godbless 👍👍👍👍
@@ricardoreyes3558 Walang anuman po. Glad to help. Happy New Year sa inyo! 🥳
Shop online first…get an offer from different dealerships. Out the door dapat below MSRP (new car). Never pay MSRP or more. Kung may offer na gusto mo make sure to bring a copy of an offer and haggle a little more.
💯 Agree po. If maka kuha below invoice price even better. Salamat po!
Salamat sa PG inform,kahit sa PG bili ng cp,nagamit ko ang technic mo.God bless
@@rodolfolasquite6699 Ganon po ba 😅. Pati pala sa cellphone may tawaran din hehe.. God bless, happy Sunday! 🙏
Thanks...very informative po lalo sa mga katulad naming mga bago po dito sa US..
Your welcome po. Salamat sa panonood at comment nyo 🙏🤗
All good points. Remember, once you go to a car dealership, you're shark bait. They're not your friend no matter how nice they are to you. Their goal is to sell that car to you quick whatever it takes. Lugi kasi sila the longer a car sits at the dealership. Be prepared for battle. What I mean is do your research about the car you're interested in pricewise. Control your emotions just because it's the right color, trim or naloka ka sa smell of new leather seats. Have a full meal or better yet, bring snacks coz they will hold you hostage for hours haggling in their battle room. Once you think you agreed on the right price, then they'll move you to the next torture chamber. The financing dept. Sakit sa ulo eto. My suggestion is to just say NO to everything they offer you. It's just another ploy to add $$ to your final purchase price. Getting my financing thru my Credit Union, I usually avoid this hassle. All I do is hand them the check from the bank. Done. I think it's important for our kababayans to be informed consumers. Thank you for doing this 👍
This summarizes the 40minute vlog plus more hehe.. Mali pa ata sabi ko na western union, I meant Credit union just like what you said. 💯 agree sa mga offer pagdating sa financing/insurance chamber 😂. They initially give you a price for the insurance package and if you keep saying no, they keep reducing the price to attract you 😂, paka scam talaga. Maraming salamat po sa comment na to 🙏👍
@@Guzman_Family_Vlogsnatawa din ako sa western union sir, pero tinapos ko padin, salamat po sa tips.. eto nag hahanap ako ng car ko dito sa Michigan hehe. baka may refer kayo na credit union diyan na hindi gaano kataas DP, newly migrate po ako here, co-signer ko sana mom-in-law ko which is maayos po CL niya :)
salamat sir sa tips at comment mo. Saang credit union sir?
@@LoveDecker002 Hi Love, oo nga e 😂. Sa totoo lang di ako nakagamit ng credit union, pero alam ko in general mas okay ang rates nila kesa sa dealer. Yung dealer lang din bale ang ginamit ko kasi ang baba kasi nung OTD price na nakuha ko, sabi ko as long as bigay yung presyo ko, kahit sa kanila na lang ako mag financing okay lang.
Important talaga bago pumunta sa car dealership marunong ka dumiskarte sa kanila nun bumili din kami ng sasakyan muntik kami mabudol. Buti nalang marunong makinig asawa ko sakin at sinugurado namin lahat ng car dealer na pinuntahan no MSRP. Sa case namin may luxury car kami trade sa kanila kaya pina estimate muna ung value ng kotse carfax pero ung value Syempre sa iba car dealer bago namin pinili ung place kasi gusto namin masmataas ung value na offer nila sa kotse namin utakan ba. Sakto ung kotse na gusto namin kararating pala sa pier so wala pa reserve at offer kasi nun time na binili namin ung kotse low inventory. Hanggang sa nakuha namin ung kotse ng di kami nabudol.
Importante talaga check not only 1 but multiple dealerships, iba-iba po talaga presyo nila, (except sa teslas). Good job po, you can save thousands just doing that. 👍
For costco members use their auto program. No haggling.
@@gildalim1763 We always thought of that route. Nice to hear that we don’t have to deal with haggling by going through them. Will definitely consider that next time. Salamat po sa tip.
42 years old na ako dito sa US pero di ako nag papa pressure sa mga sales persons😅😂😅, ako lang nakikideal kasi nahi hiya ang asawa kasi makulit tumawad you can call the mag tanong ka sa banko ang Kelly blue book value if you buy a second hand at puede rin ma find out ang history yung sasakyan.
@@PinayOkie58 Good tip po! 👍💯. Buti andyan kayo, yung mga mahihiyain pa naman kadalasan nabubudol 😅.
Just an honest opinion in the United States owning a car is more for necessity to bring you to point A into point B and for any emergency the family need dealers will always try hard to sell you a car it's the only way they make commission buy a car with in your means a car only last for a few years good luck buying care is not for showing to others
Thanks for sharing your insight! 👍
Ang out the door price ng car iba iba yan depende din sa credit score.Kung 2 kayong bibili sa same car,mas malamang mababa ang payment kung mas mataas ang credit score mo.
@@emmartin3222 Salamat po sa pag share 👍
Thank you sir sobra dami ko nakuhang info and ideas sayo lalo na dadating kami sa US sa June. And I need to get a car. Wala kasi public transpo sa place ko.
Para sa inyo talga to, lalo na sa mga baguhan.. Mahirap mangapa, di alam kung saan mag sisimula. Be assertive lang at huwag mahihiya o ma intimidate sa kanila. Congrats sa pag migrate ng family mo 👍🙏
Nice advice Sir! Parang kuya ko na kayo dto Sa U.S. more videos to come 😊 love watching your vlog!
😊 Salamat Mia. Salamat sa panonood 🤗
good tips to sir sa mga bago dadating at bibili dito. 👍
and dun sa trade tama, kaya never ako mag trade in, masyado barat.
problem naman sir pag bago dto and wala pang credit score, so hard to even just talk to an agent
some dealers wont even agree without co-signer with credit score
Hehe.. totoo po, parang insulto po minsan yung trade in price nila 😅, kulang nalang hingin nila yung sasakyan 😅. Thank you po.
Salamat sa good tips!! God bless you po and more new subs to your channel.
Salamat po 👍
Thank you again for sharing your experience and tips lodi Roland. Grabe walang sayang na minuto talaga sa every vlog ng guzman fam. Dami mapupulot na valuable infos ng mga migrating filipinos to US specially nurses. Bonus pa na very entertaining and inspiring lalo yung way of living niyo po na very simple but you make sure to cherish every moment with your family. Hindi nako nakakacomment lately pero never po ako nag missed ng uploads niyo. Hope to meet you po Guzman Fam when we get there. Pa shout out nadin po Lodi🥰
Aww… Salamat AJ, we’re glad may napupulot at na eentertain ka namin kahit papaano hehe.. Appreciate your comment 🙏🤗
Buy Tesla, less to no talk, the price is the final no discount even for military, relaxing purchase experience.
Totoo po, may katrabaho ako naka tesla, yung isa kabibili lang ng Rivian. No hassle nga daw po, what price you see is what you get at daming incentives nga daw. Alam mo panatag at di ka maparanoid dahil alam mo di ka lolokohin. Thanks for bringing that up 👍
Very informative 👍
@@mabrigidasantiago5013 Salamat po! 🤗
Good advice.
Always take the free Coke sa dealership.
@@keith3609 and the sandwich 😂. Thank you ser 👍
I like your videos. Hopefully you can make video on buying house as Filipino nurse in California. Home price vs income.
Naku, di po kami expert pag dating dyN mam Christie 🥴. One thing is for sure, kung kaya, or kayanin nyo at least 20% downpayment. Saka maganda school district na area po.
Ganda ng vlogs mo kabayan very informative. Pag dating namin ni misis dyan samahan mo nalang kami Hahaha 😂👍👏🙏
Salamat po!
Great advice Kuya. Mabuhay ka!!
Maraming salamat! 🙏🤗
Kakabili ko rin ng sasakyan sana napanood ko to bago ako kumuha,
Hopefully maganda yung deal nyo at hindi kayo na taga sa presyo. Congrats sa bagong sasakyan! Thanks Carlin 🤗
Sir pwede po topic idea about buyer a truck for business in trucking business na mag start sa maliit, used truck po ba or new Ang ok for purchase
@@AttyVico Sorry boss wala po ako alam sa mga ganyang trucking business..
kinakabahan ako pag andyan na sir. pero grabe ung tips sslamat =)
You’re welcome! Good luck! 👍
Present always watching on big screen!!idol roland baps
Salamat to Bap 👍
@@Guzman_Family_Vlogs your always welcome best friend!!!
Great and very helpful vlog ❤❤❤❤. You were mentioning Western Union a couple of times. Do you mean credit union banks?
@@abetasun18 hehe Opo, Credit Union po yun 😅. Kaka remit ko lang kasi that day using Western Union 😂. Thank you po. Happy weekend! 🙏🤗
Thank you po! 😊
Your welcome 👍
ako nga gusto ko magmove sa Bay area pero I can't afford! 😂
watching from Burbank, Ca.
Naku, kung ma offer sana ako same rate dyan sa SoCal,, dyan na kami heheh.. Thank you Jessie!
Solid lods! Thankyou. 💪 Anyways, ano po mapapayo nyo between: car leasing and financing? Also, I have a Nissan SUV dito s Canada, then planning to migrate s US, do you think I should sell my car while I'm here s Canada pa or ito nlang ang gamitin ko na vehicle jan?
Gaano na ba kaluma si SUV? Almost end of life na ba or bagu-bago pa? Kelangan mo research yung registration, dinig ko kasi mahal registration kapag yung sasakyan manggagaling sa ibang states (how more coming from other country). Timbangin mo kung ano mas okay, either benta mo kotse mo dyan tapos bili ka n lang ng bago dito. Di din ako sure dyan masyado.
Between car leasing or buying. I will always go for BUY, but its just me. We like to buy and use pur cars till its wheels fall off. Di kami yung tipong papalit-palit ng sasakyan. Its just our preference. Sayang kasi pera 😅. Good luck!
Kahit anong pagigipag deal ng buyer never mananalo sa car dealer tandaan nyo po yan mga kabayan, kala mo naka good deal ka na pero never mangyayari yun hehe
Somehow kailangan din nila kumita kahit papano. Pero sa mga hindi nakaka alam ng kalakaran at hindi tumatawad will end up paying thousands more. I did not pay above msrp, or at msrp, not even invoice price. We paid couple of thousand below invoice price. Imagine kung di sila maka negotiate, parang sinagot nyo yung pang engrandeng bakasyon nila hehe. Thank you po.
@@Guzman_Family_Vlogs true po
sir magandang bumili ng sasakyan pag inventory sale or tuwing october kasi doon po nag dadatingan nung mga bagong model for the next year...
It makes sense. The time they’ll try to get rid of the older models, pede na cguro tawaran hehe. Salamat sa tip Joe. 👍
Thank you sir Ronald! I’m almost 8 months na here sa San Jose, Cali. I’m thinking to buy a car na soon. Mabuti nalang at nakita ko bagong upload mo. Nagka idea ako kung paano ako makikipag negotiate sa mga car dealership. Wala talaga kasi akong idea.
Good luck! Though matagal na naexperience to, baka madami na ding changes dahil dinig ko madami na nagrereklamo sa ganyang sistema. At least may idea ka, just be guarded. Good luck!
sir vlog naman po about sa education ng mga kids jan sa cali , un po ung main concern ko before ako mglipat jan ..
Any specific questions tulad ng ano po mam?
public vs private po, and safety concerns po
Sige mam, since napapasok n nmin sila both public and private.. subukan namin ha sa mga susunod n vlog 😅
salamat po sir! san po kau banda sa cali sir?
@charlotteespiritu6219 Mountain House, Ca
Nice sir very informative
Thank you Mark
@@Guzman_Family_Vlogs Welcome sir :)
Just a piece of advice, never go to a Filipino car salesman. You might think they’re going to help you because they’re kababayan but it’s a big NO! They’re going to rip you off!
Hehe.. yun na nga po nangyari sakin. I thought he’ll have my best interest kasi kababayan, okay lang sana kung pumatas, ina-abuso pa. 🥲
@@Guzman_Family_Vlogs Nakakalumgkot lang talaga, mismong kababayan pa natin mga kupal
Daming add ons pag babayaran mo na lalo na kapag full mo bayaran.
Buti may existing insurance na kami at nasama na dun.
Now daming bagsak price ng sasakayn sa US dahil overstock sila.
Next time full cash payment nyo na para may upper hand ka kasi alam nila anytime pwde kayo umalis at lumipat.
@@nooneelse9655 Totoo po daming kung ano-anong add ons ang inooffer nila 😅. Salamat po sa pag share ng tips👍.
Ano po mas wise decision ADVANCIAL or IAS? May video po ba kayo tungkol dito. Need a car badly po.
@@edacrescini4587 Sorry po mam Eda, hindi po ako familiar dyan 🥲
Sir d2 sa pinas bihira gamitin yang trade in.luge din kse.
With regards in buying brand new car, thru bank financing ginawa ko thru my bank account. Then nagpaquote ako sa bank , nagpaquote din ako thru inhouse financing para madali ko ma evaluate and it shows mas mura ang bank financing.
Jan ba sa US bihira ang bank financing?
Mabait masyado yung sales mo sir 😀 kabayan pa man din
Oo meron din Auto finance mga bangko dito, pero pag binigay nila yung mababang presyo na gusto ko, yung sa dealership n lang yung ginagamit ko, as long as ang presyo lalabas after interest at fees ay yung out the door price na napagkasunduan namin.
Mabait nga yung si kabayan, nagpanting yung tenga ko lol.. di ko nagustuhan joke nya haha.. pagod na din kasi kami siguro kasi ilang oras na kami dun sa dealership na yun.
You're better off to fully pay your car. No monthly payment.
Hindi po lahat may cash para bayaran kaya wala choice kundi ipa-finance.
thank you kuya
Salamat din Nelson 👍
kuya ano laban or diskarte pag 4 yrs pa lang na credit history. kc mukang yun ang idadahilan ng stealership sa ibibigy na mataas na APR
Hahaha sa “Stealership.” I think okay na yung 4 years, mas may timbang cguro kung ano yung Credit Score. Yung credit score sa financing naman yun, they base the interest rate sa score mo. Mag shop ka muna sa mga Credit Union banks, pa pre approve ka car loan dun usually mas mababa interest rate nila kesa sa Delership mo ipa finance.
@@Guzman_Family_Vlogs ah oks kasi talaga may phobia nko sa mga stealership
@tuyz ahhahaa, nabiktima ka din pala.. Nakakainis talga pag naisahan ka, lalo n dyan 😂. Good luck s susunod.
Hello Sir, new follower mo po ako, sa September po mag travel na po ako to US with family, ako po ang main applicant and dependent ko si hisband and 2 kids. Both po kmi mag asawa hindi marunong mag-drive. Pahingi po ako sir magandang tip anung ok na diskarte para mas maging magaan ang transition ko/ namin. Lalu na sa mga new driver na tulad ko.
The best advice mabigay ko sa inyo. Mag aral na po kayo dyan mag maneho, avail driving school dyan, malaking tulong. Mas mahal ang driving instructor dito sa amerika. At least mas konting oras na lang kailangan nyo sa driving inststructor dito (cheaper) dahil alam nyo na yung basic ng pag mamaneho. At least man lang isa sa inyo, kung dalawa kayo mas mabuti. Pwede din naman kayo gumamit ng public transpo para panimula, pero depende din kasi kung saan lugar kayo. May areas na mahirap ang access sa public transpo. Or worse comes to worst mag uuber kayo tuwing lalabas kayo, magastos lang. Good luck and congrats sa family nyo 🙏🤗
@@Guzman_Family_Vlogs thank you po sir sa reply, anu po magandang sasakyan na SUV na swak sa family of four. Ok po ba ang hyundai?
I just go to my bank and get a pre-approved car loan..they give discounts to valued clients. I bring that pre-approval to car dealership so I don't need to negotiate for financing. So yung final price na lang kelangan ko inegotiate sa dealer tsaka di na nla kelangan mag credit check.
♥️♥️♥️
Salamat po! 🤗
Ang ganda ng thumbnail nio!! If you dont mind me asking, saan mo ginagawa to ?🤘🏼
Canva lang idol Vinz. Thank you! 🤘
True! I ♥️♥️♥️ TOYOTA. 🙏😍🙏
💯💯💯👌
Sa uae taga lahat ng dealer khit pre owned ghaman
I can imagine po, lalo na lahat imported dyan.. Thanks for sharing po 👍
Kami nga freind ng byenan ko kapwa pinoy and ka church pa namin so tiwala kami pero ginawa talaga nya ang lahat kumita lang 😂 naka pag research naman kami ng konti since 1st time buyer kami pero magaling talaga yang mga dealer nayan mang budol bitter sweet experience but we definitely
Learn our lesson in a hard way nga lang😂
I feel your pain. Nakakagigil di po ba? Only those na nakaranas would understand. When you step in the dealership Be Ready & Don’t Be Afraid To Say “NO!”. Kahit taga simbahan pa wag basta-basta mag tiwala, I’m not saying all but some of them use the church para magka network. At least you know now better 👍
Hello Guzman Family,pasensya na kung medyo d ako napanood namatay kc brother ko,bawe nlng pag naka 40days na sya.
Oks lang po te Doris, di naman kayo obligado manood. Condolence po. 🙏
@@Guzman_Family_Vlogs abangan ko mga kaganapan sa mga tanim nyo🥰
Kung gusto nyo asarin yung sales agent makipag haggle kayo ng matagal pag kwentahin nyo tapos sabihin nyo ika cash nyo na lang full payment hehehe asar yun pihado maliit lang kase kikitain nya sa inyo
Nangyari po samin din yan nung sinamahan ko ung uncle ko, almost whole day kami. Ayaw ibalik nung filipino sales man yung susi na suppose to be i-trade in na sasakyan namin nung nagbaback out na kami dahil masyado gahaman. Na threaten pa kami, Sabi pa samin “Alam ko saan kayo nakatira!” Dahil nag fill up n kami ng application 😂. Sayang nga di kami nakapag file ng complain 😅. Salamat po.
@@Guzman_Family_Vlogs danas din po namin yan dito sa Canada masakit man sabihin pero may ilang pinoy na nangloloko ng kapwa po natin and tindi di ko po alam pano nila naaatim mangloko. Hindi po umubra yung isa sakin e lumabas yung pagiging laking kalye ko di nya ako napaikot po hehe! Backed out ako sabay punta sa ibang dealership na matino kausap.
😂😂.. natawa ako sa laking kalye lol. Di naman po lahat, pero pag kapwa pinoy ang ahente mas makompyansa pa ang pag harap sa customer, tingin nila easy prey pag kapwa Pilipino unfortunately. Kaya pag baguhan bumibili at walang alam, kakarnehin talaga bulsa nyo.
hi sir ask ko lng po sa ias po ang apr n bngay samin 10% and 72 months to pay medyo mabigat po yung monthly and halos 2 times ng msrp yung babayaran, any tips po pra makakuha ng car na mababa yung apr na walang credit score po? parating pa lng po sa US sa Aug 25 po. Thank you po.
Wala po talaga kayong laban dyan. Actually limalabas pa na theyre doing you a favor and theyre taking risk dahil wala pa kayong credit. Advice ko lang:
a. meron po kayo kakilala na mag titiwala sa inyo na pwedeng mag cosign, makakakuha kayo ng mababang apr (if maganda credit nya)
b. Kumuha na lang kyo ng second hand pansamantala sa fb marketplace. Ingat pang po sa pagpili, mas maganda kung may alam kayo sa sasakyan, minsan nagdadala ng mekaniko pag check ng sasakyan kung may problema bago bilhin.
c. Tingin kayo sa Credit Union bank kung nag papa loan sila, baka mas mababa yung interest na pwedeng ibigay sa inyo.
Masyado mataas ang 10% sa 72mos pa. I will do 2nd hand na mura at hopefully tumagal until maka build ako ng credit score para in the future makabili ng hindi matataga. Good luck po.
thank you po😊
credit union po sir,di po sa western union...
Oo nga e, nalito na 😂. Thank you sa pag point out 👍
Wowowoow!! Yea plano po bumili next year. Dito po ako sa bay area. Pero mas ok po ba bumili sa Oregon dahil wala tax or the same lang din po? Thank u and mabuhay 🎉
Ang tax po ay charged based kung saan registered yung owner, usually kung saan nakatira ka, hindi po kung saan binili. So kahit sa Oregon kayo bumili pero naka address kayo Cali, sa City kung saan sa Cali tax rate po ang iaaply. Good luck mam Joann! 🙏
di ka makakaligtas sa tax, taga WA state ako malapit lang kami sa OR.
@@alphiegarcia7264 thank you for the info 🙏
@@Guzman_Family_Vlogs thank u for the info
nasa middle east ako at soon jn na ako sa US. may konte akong madadala na pera aside from my gratuity. Im fed up with second hand cause of too much repairs, Im not knowledgable with cars. Im planning to get brand new like pilot, pathfinder. is it a good decision for me as a new comer in the US?
I personally leans toward brand new din po. Di din ako ma alam sa kotse, mahirap na, minsan imbes na makatipid e napapmahal pa. Maganda po yung Pilot or check nyo din kung magustuhan nyo Toyota highlander or 4runner. Madami po b kayo kasama mag mimigrate and you need 7 seater na sasakyan? Good luck po
Full.paid mo na pag buy ng ssakyan
For brand new car, negotiate with their internet department.
💯 Agree po!
Thank u so much po sa video.
Your welcome. Sana nakatulong o kahit makakuha man lang ng ideas. God bless 🤗
Isa ka sigurong sales agent. Tama naman lahat ng sinasabi nya.
Bhakhakhak gusto nakawin ha😂😂😂😂😂❤
Haha.. ganon po linyahan nila 😂
" kung SMART ka hindi ka maloloko,
--- at kung sinasabi po nu HINDI nu maiisahan ang DEALER ay WRONG kau dian
--- remember it's ALL BUSINESS, at DAPAT KUMITA cla
---- u want a car, SPEND ur 💰, dude
---- huag kang mag isip na ikaw ay MALOLOKO nila
---- it's like in COURT bago ka mag appear doon au HANDA ang Judge at all angles of discussion
---- ganon din sa CAR DEALER, TERRITORIA nila ian , HANDA na cla, kung ano ang mga SALES TALK at BUSINESS enganyo nila sa u at HUAG ka nang mag isip pa na lolokohin ka nila
---- want a CAR ,JUST BUY it HAPPILY PERIOD."
@@genegene2468 Mukhang isa din kayong Ahente sa dealership ha 😂.
Kaya po pala nakahanap ako ng dealer na nagbigay ng mas murang offer sa parehing kotse. At tuwing ready na kami mag walk away sa dealership e hahabulin pa kami at mag ooffer pa sila na “Sila na daw magbabayad ng tax” as a discount. Wow.. doon pa lang Red flag na at alam mo na inaabuse nila ang system dahil sobrang padded ung presyo nila para malaki ang commision nila.
Yes, I will BUY A CAR HAPPILY, AND FOR ME, I WILL BE HAPPY TO BUY A CAR KNOWING I BOUGHT IT IN A FAIR PRICE WITH MY HARD EARNED MONEY NA PINAGHIRAPAN KO NA DI GALING SA PANG-GUGULANG.. PERIOD
@@Guzman_Family_Vlogs define FAIR PRICE ?
--- at kung akala mo fair price ay I don't think so.
--- hindi naman ako na wowork as Sales or sa dealership ,
---- 7 times lang kami bumili na ng brand NEW sedan car, suv at truck.PARA sa family.
---- May mga GOOD DEAL kaming natsambahan : 2x lang na NO INTEREST, NO down payment required at un lang kami sobrang masaya kahit na PANALO parin ng gusto ang car DEALER 😊☺️"
"Want a car, just buy it", worst advise IMHO. lol
May tanong lang ako, hindi ba pwde manirahan sa us na walang cridet history or credit card ba yan?
@@kapitantiam7345 pwede po naman kahit walang credit card. Pero pwede po kasing gamitin din ang CC to your advantage, just use them pero pay off nyo yung balance. Meron kasing CCs na nag ooffer ng cash rewards. Yung credit history matic na po yan, basta nagbabayad kayo halimbawa na lang ng bills mag generate na yan. Kung Cash ang ipangbabayad nyo sa Bahay at Kotse (hindi utang) di nyo kailangan ng Credit Score.
ayos galing mo pa din mag Tagalog. Honda or Toyota lang sakalam. watching from Baltimore. Guzman din kame❤ Lakas mag pressure sell ng mga yan rip off!
@@mrperfectjohn5 Hehe,, totoo po. Pag wala ka talagang alam sasagadin talaga pag taga sayo.. 😅. Thank you!
San kayo sa Pinas bro?.Guzman din kame from Cagayan Valley currently in Baltimore.
@@mrperfectjohn5 sir sa Manila po nanay ko, though tatay ko sa Tarlac 👍
aH okay,more power sa vlogs nyo. gusto ko din mag move dati ng California kaso di ko talaga afford
@@mrperfectjohn5 Okay lang, tama yang ginawa mo at di mo pinilit, mas importante you feel secured lalo na sa finances, kesa s pagsisihan mo pag nag work against sayo. 👍
Ang haba ng video it would be better if it short,concise and direct video nevertheless still good quite lengthy. ;)
Sabi nga din po ni misis.. heheh.. 2.5hrs nga po yung orig footage, dami na na cut 😅. Will take note of that next time. Thank you.
Parang simple living lang walang credit card? Pwdi bayan dyan?
@@kapitantiam7345 pwede naman po, basta meron lang kayo parating available na cash na pambayad.
lagi akong nabudol sa dealership. grrrr 🤦♀️🤭
@@travelwithedz 😅 Next time alam nyo na 👍
You mean Credit Union not western union
Yup, few commenters mentioned it.
Kabayan, may pm ako aayo sa msgr. Please check. Thank you
To buy a car, you walk in to the dealer 10 mins. before they close. Coz they will not have the patience to haggle w/ you...and will give you what you ask. LOL. If you go in first thing in the morning, they are ready for you. You will be jerked around the whole day. LOL. If you have a job, you will get a car.
@@rabidfarmer9765 Make sense 👍. Thank ser sa tip, will keep this in mind 👌
@@Guzman_Family_Vlogs /and whatever they offer you, take off 20% from that. And only haggle within 1-2% and no more. LOL.
Nars u s
sana sa phone nlng kayo nakipagnegotiate para hindi kayo napagod😂
Mas okay sa online para may soft/digital copy ng presyo pag nagbigay ng quote via email, kung makipag negotiate kayo sa ibang dealer may maipapakitang legit na price quote. Parang bumibili ka sa bestbuy or target ng electronics nag pa-price match sila sa ibang tindahan pero kailangan may proof k na mas mababa sa ibang store, not just word of mouth. Pag tawag madali lang magsabi ang agent ng presyo tapos pagpunta mo din iba pala sasabihin, wala kayong maipapakita proof kundi sabi lang sa telepono 😅.
In short they’re all full of BS in the dealership! LOL
So far majority ng na encounter namin. But theres 1 na matino (out of 5 cguro 😅). Be educated lang at mapag masid, don’t put your guard down. Okay na yung parating feeling paranoid na parati kang lolokohin, kaysa s mabilis mag tiwala. Madami na din beses ako naloko kaya it made me more cautious which i think is a good defense mechanism na din.
@@Guzman_Family_Vlogs You guys seem to be nice people. Maganda kayo mag-handle ng family niyo. Ingat lang palagi, most of the time kasi hindi maganda ang experience namin with pinoys here sa socal. It’s sad pero you just have to learn how to deal with it.
@jimmyjimjimjim20 naku, diyan din yung bad experience namin sa socal, super dami at dikit dikit dealership dyan, mahirap n talaga magsalita, imagine yung mga naive na bumibile na akala nila tapat ang presyo, yun pala libo yung nawawala sa kanila. Kawawa po talaga.. Salamat po🙏
Ang gulo kuya. Cash buyer na lang 😅
Haha.. Kahit cash kelngan mo pa din mag negotiate 😅 sa OTD price, baka lakihan din ang presyo pag cash kasi mawalan sila ng kita sa interest pag di ka nag finance sa kanila 😅.
Educate yourself. You tube vloggers who used to be car salesmen.
@@gildalim1763 Salamat po!
Yong content iba Sabi mo Buhay amereka
@@EvangelineDerobles-yw1vw Good morning po. Very broad po ang topic na “Buhay Amerika.” Lahat po ng video namin ay kuha sa amerika at parte ng buhay namin na nangyayari sa Amerika. Ano po ba inaasahan ninyong makita?
Hahahaha kahit po sa call center ganyan rin kami di namin agad ibinibigay ang gusto ng cx para mas Malaki profit namin.grabe naman ung Pinoy na un hahahaha nakawin talaga ung car nila hahahaha
😂 😂 Onga e.. 😂 Thank you! 👍
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