Jim & Michelle Rhoads
The BHPH Morning Show
Join Jim and Michelle as they discuss the news of the day in the Buy Here Pay Here (Subprime Auto Finance) world. Decades of experience in the industry create a rich conversation about what matters most to dealers across the US. Aired live W & F #BHPH, #Subprime, #Auto
Author
Jim & Michelle Rhoads
Category
Podcast website
Latest episode
Jun 26, 2026
Where to listen?
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Episodes
Guest Brent Carmichael, Sr Moderator with NCM 24.12.2022 32:35
Our guest for Monday is Senior Moderator and Consultant Brent Carmichael. He joins regularly as co-host of our "Hardest Questions in BHPH" series on the 'Tote the Note' podcast, but this is his first appearance on the Morning Show! It's always great to get the perspective of the guy who has moderated BHPH 20-groups for 15 years. Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook eve...
How White Hat Dealers Handle Unhappy Customers (A Role Play Melodrama) 24.12.2022 38:11
On "White Hat Wednesday," Jim (dealer) and Michelle (customer) demonstrate through role play how an experienced White Hat dealer would handle a frustrated or unhappy customer. Learning to use this approach can relieve much of the stress weighing on BHPH dealers plus the stress felt by their team and customers. Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, &...
Breaking News!!! Multiple Announcements on this White Hat Wednesday 24.12.2022 31:37
Big news from NIADA and we have set a date for an upcoming BHPH Nation TV event that you won't want to miss. Also, a major milestone for the Morning Show is just around the corner.... Join us LIVE as we chat with Jeremy Beck, VP of Dealer Development with NIADA. We'll get the latest on all things NIADA and compare notes on jalapeno strips! Who has the best fried jalapeno strips in Texas??? Tune in...
White Hat Weds Guest: NIADA President-Elect Gordon "Gordy" Tormohlen 24.12.2022 40:52
He's a familiar name and face to many. We've had many conversations with the guy most widely known as "Gordy." On this Thanksgiving eve, we'll ask about what he's thankful for this season and what lies ahead for NIADA. We also have a few "Get to Know Gordy" questions lined up ;) Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 9am eastern where we (Jim...
Car Guy Coffee Time! Fellow Podcasters Lou Ramirez and Fred Lennartz Join 24.12.2022 39:09
Fellow and seasoned podcasters Lou Ramirez and Fred Lennartz III join the BHPH Morning Show to talk car business, coffee and their legacy as "Certified Solutionaries." Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 9am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethi...
White Hat Weds: Let's Talk (Lack of) Finance Education for Consumers 24.12.2022 35:28
Ever hear this one, dealers? "Can you get me in a car for $300 a month?" or "Can I get a car for $500 down?" Well, Michelle and I see the problem and we're taking steps to teach consumers (from a former dealer's perspective). These are your customers. Join the conversation! Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 9am eastern where we (Jim and...
Thanksgiving Theme: Gratitude & Humility 24.12.2022 24:39
Tune in to The BHPH (Buy Here Pay Here) Morning Show with Jim & Michelle Rhoads to hear our "gratitude rant" as Michelle and I humbly express our thanks for all the support and cooperation we've enjoyed across the #bhph industry this year. Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 9am eastern where we (Jim and Michelle Rhoads along with feat...
White Hat Weds: Our 30,000 Foot View of the Fragmented BHPH Industry 24.12.2022 27:34
Our (relatively) small industry is fragmented. Will it always be divided by competing interests? Or, could the entire segment benefit from unification? We'll share our perspective based on a sentiment expressed by LOTS of dealers. Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 9am eastern where we (Jim and Michelle Rhoads along with featured guests)...
[POLL RESULTS] Could Digital/Off-site Delivery Become a Thing in BHPH? 24.12.2022 31:18
Could digital/off-site delivery become a thing in BHPH? Is it already a thing? Are you missing the boat by only delivering at your dealership? Or will delivering through an all-digital process NEVER take hold in self-financing in the poor credit segment? Our dealer survey says ... Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 9am eastern where we (J...
Guest Jeremy Beck - NIADA's VP of Dealer Development Joins to Talk Jalapeno Strips (and NIADA) 24.12.2022 36:15
Join us LIVE as we chat with Jeremy Beck, VP of Dealer Development with NIADA. We'll get the latest on all things NIADA and compare notes on jalapeno strips! Who has the best fried jalapeno strips in Texas??? Tune in at 9e/8c to find out if Jeremy shares our opinion as amateur food critics. Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 9am eastern w...
Guest Amanda Butler-Sanchez: What Makes You Safe From Theft? What Doesn't?! 22.11.2022 31:32
What protects you from leakage/theft/embezzlement/fraud? Let's talk about what DOESN'T!!! Amanda Butler-Sanchez of Butler-Sanchez, CPAs in Houston joins to talk about the misperceptions BHPH dealers often have about what is "enough" in the way of internal controls.
YeeHaw! Arizona Cowboy Jared Halsted Joins to Talk Industry Leadership (and Ranching) 18.11.2022 36:48
Our friend and yours, Jared Halsted, joins for what is bound to be another lively chat. Few have as much passion for the car business and for BHPH as this self-proclaimed "low tech redneck." We'll ask about last week's Leadership Symposium for directors and officers at the state level. We also hope to hear about his Arizona ranch, 2023 opportunities, As the current president of his home state asso...
BHPH Dealers, What Is Your Destination? Path to Freedom? Enough Gas in Your Tank? 16.11.2022 33:25
Inspired by a message from business coach and trainer Simon Sinek, we'll talk about the journey that is owning a Buy Here Pay Here dealership. On White Hat Wednesday, we'll talk about why the destination makes a difference in your success and the success of your team. We'll add our perspective on the value of being purpose-driven (in any business).
Tommy Brandis Joins for a BHPH Super Forum Recap (+ Other News) 14.11.2022 30:22
Fresh off our visit to NIADA's BHPH Super Forum in Austin, we'll chat with PA dealer Tommy Brandis to get his perspective on the event. Of course, Michelle and I will share our observations about the people, places and things as well. [Hint: Don't miss the next one if you are a BHPH dealer or provider!]
LIVE from the BHPH Super Forum: Jeremy Beck (NIADA) and Tommy Brandis Join 11.11.2022 33:58
On the final day of the BHPH Super Forum, we'll discuss some takeaways from this highly successful event in Austin. Listen in to see who else stumbles by to join the conversation ...
White Hat Wednesday from Austin, TX! Missing This Event? Take Our Quiz Virtually!!! 09.11.2022 29:13
Howdy from the Texas Hill Country! Didn't make the trip to Texas for the BHPH Super Forum? Join us live today (9e/8c) to do a virtual interview for BHPH dealers or grab a spot on the calendar using this link: https://calendly.com/jrhoads-octane/15-minute-quick-interview-bhph-nation-tv
Episode "Encourage" in Jim's "9 E's of Effective Collecting" 07.11.2022 31:35
In this broadcast, we continue with the "9 E's of Effective Collecting" and discuss how encouragement can impact customer success.
Repairs After Sale Stopped?! Let's Role Play a Visit to the Lawyer's Office! 05.11.2022 39:19
As non-attorneys (not offering legal advice), Jim and Michelle role-play a customer's visit to a law office. Did the repairs after sale come to an end? What was the pattern? What did the customer sign? If the dealers gets sued, will the judge shout "Judgement for the plaintiff!" Tune in for the BHPH Morning Show's version of People's Court!
White Hat Wednesday: Guest NIADA President, Scott Allen 02.11.2022 37:36
Join us for a chat with Scott Allen, the current president of NIADA, 2022's inductee of TIADA's Hall of Fame and owner of Auto Land in Haltom City, TX. We will discuss NIADA's upcoming BHPH Super Forum. Will also ask this widely respected Texan about his thoughts on "White Hat" principals.
Episode "Evaluate" in Jim's "9 E's of Effective Collecting" 02.11.2022 30:17
Today's E: EVALUATE - We'll talk collections metrics - which data points to monitor and on what interval.
How Is Your BHPH Business Like a Bathtub? With an Open Drain? 02.11.2022 30:43
What does it mean to achieve positive cash flow in Buy Here Pay Here? And what are some of the factors that make it take longer? How is it that some operations never get there? What is the impact of low sales/finance volume? In today's live broadcast, we'll talk through Jim's "bathtub" analogy to help newer dealers and those contemplating BHPH better visualize the ways to reach and enjoy positive...
Bill Elizondo and Janet Staderman Talking BHPH Super Forum & Education 26.10.2022 33:09
Bill Elizondo, NIADA 20-group moderator and consultant, joins us along with Janet Staderman, NIADA's Director of Education, to share details about the fast-approaching BHPH Super Forum in Austin, TX.
Jared Halsted, AzIADA Prez, Joins to Talk Capital (& Know-how) 17.10.2022 34:43
Jared Halsted, current president of the Arizona Independent Auto Dealers Association and Region VP at NIADA joins to talk about Arizona's upcoming Southwest Finance Conference. We'll talk about the demand for capital and how education is a factor in access to more and "better" capital solutions. Tune in to find out what 'ears' have to do with this subject.
Let's Talk Repos! Bryanna Cox Joins to Talk Dos and Don'ts 14.10.2022 33:54
When it comes to repos, Bryanna Cox knows the ins and outs, dos and don'ts. As CCO at Asset Resolutions in the Houston area, she can help dealer-creditors in BHPH avoid the expensive mistakes. We might even get her to tell a repo story or two ..
White Hat Weds: What Do "White Hat Way" Practices Look Like in Action? 12.10.2022 40:03
When BHPH dealers adopt and operate from "White Hat" principles, how does it show up in day-to-day operations? How does leading with things like transparency and honesty impact the customers? The team? The dealer(s)? In this WHW broadcast, we talked through some of the benefits that we see in our travels. Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri a...
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