Personal Car Negotiator

CELEBRATING 10 YEARS
NEGOTIATING ON-LINE IN 2012 FOR THE BENEFIT OF YOU, THE CONSUMER.

Hello, my name is Edward Juliano.
I have been in the retail automobile
business for 33 years with 28 years as a
Sales Manager & General Sales Manger.

Now I have my own business
negotiating for YOU, THE CONSUMER.


I am dedicated to getting you the
BEST PRICE, TRADE-IN VALUE  & INTEREST RATE

I am an EXPERT in my field.
Click HERE for my Credentials
No salesman or manager can beat me.
I never negotiate monthly payments
because that is a foolish thing to do.

95% of all Consumers negotiate
monthly payments and as a result
PAY TOO MUCH FOR THE VEHICLE
&
PAY TOO MUCH INTEREST

ON THE LOAN and/or LEASE

You receive via e-mail an
ACTIVE EXCEL SPREADSHEET
with the FULL BREAK DOWN of the
PRICE, TRADE-IN VALUE, INTEREST RATE
and your monthly payments for
  the following methods of payment:

1. Taking the FULL REBATE and     using Bank Financing 
2. Low A.P.R. Financing offered by      the Manufacturer in lieu of some or      all of the retail rebate
3. Leasing with NO MONEY DOWN

     I NEGOTIATE, YOU SAVE MONEY! 

PLEASE CALL ME RIGHT NOW!
  973-809-3745
I AM HAPPY TO SPEAK WITH YOU

ASK FOR EDWARD

Monday through Saturday
  9:00 AM - 9:00 PM EST
CLOSED ON SUNDAY
OR
 e-mail:  edwardjuliano@yahoo.com
e-mail:  ed@PersonalCarNegotiator.com

Personal Car Negotiator.com helps
Consumers IN ALL 50 STATES by NEGOTIATING ON THEIR BEHALF
&
ONLY IN THEIR BEST INTERESTS
when BUYING, LEASING, or FINANCING:
Any Brand New Vehicle
Any (CPO) Certified Pre-Owned
or Any Used Vehicle

SAVE THOUSANDS OF DOLLARS
LET A PROFESSIONAL HANDLE THE COMPLEX
MATHEMATICAL EQUATIONS OF LEASING AND FINANCING

  SATISFACTION GUARANTEED
OR YOUR MONEY BACK
Click HERE for REFUND POLICY

Click HERE for SERVICES PRICE LIST

Click HERE for TESTIMONIALS

Click the VIDEO TESTIMONIALS
  ABOVE on the Left Side
Click the BBB LOGO 
  ABOVE on the Right Side
to see our current BBB of N.J. Rating of A+

I HAVE A VERY
UNIQUE BUSINESS
I HELP CONSUMERS
SAVE BIG MONEY
BUYING OR LEASING
#1. BRAND NEW VEHICLES,
 #2. CERTIFIED PRE-OWNED
#3. OR ANY USED VEHICLE
I DO IT ALL
YOU SIT BACK AND
OBSERVE THE PROCESS
FROM THE COMFORT
OF YOU OWN HOME

I NEGOTIATE DIRECTLY
 WITH SALES MANAGERS 
& THE USED CAR MANAGER
WHO IS APPRAISING
YOUR TRADE-IN

LET
A PROFESSIONAL
NEGOTIATE AGAINST
A PROFESSIONAL
FOR YOUR BENEFIT!
AND SAVE YOU
THOUSANDS OF DOLLARS!

I HAVE BEEN A
PROFESSIONAL AUTOMOBILE
SALES MANAGER
FOR 28 YEARS

I NEGOTIATE ENTIRELY
DIFFERENT THEN YOU

I KNOW EXACTLY WHAT TO NEGOTIATE AND IMMEDIATELY KNOW IF THEY ARE LYING.

I CAN NOT BE TRICKED
OR MISLED BECAUSE I
UNDERSTAND EXACTLY
HOW THE NUMBERS WORK

I CAN NOT BE
FORCED INTO
PAYING MORE MONEY
BECAUSE
I KNOW ALL
OF THE TRICKS
SALESMAN USE TO
INCREASE THEIR PROFIT
 AND COMMISSION
WITHOUT YOU EVER
REALIZING THAT THEY
 JUST CHEATED YOU!
UNFORTUNATELY,
YOU DO NOT!

Personal Car Negotiator
supplies a Real Time Active
EXCEL SPREADSHEET
that breaks down the:
Discounted Price,
Interest Rates,
Money Factors,
Residuals,
All Fees,
Consumer Rebates,
Dealership Rebates,
Private Rebates.

Personal Car Negotiator
ONLY NEGOTIATES PRICE,
INTEREST RATES
&
MONEY FACTORS
(Interest for Leasing)
NEVER MONTHLY PAYMENTS

You will always OVERPAY
by negotiating monthly payments!
  Salespeople are TRAINED
to negotiate monthly payments
in order to increase profit!
 
If you do not know the price or the
interest rate you are being charged
and only negotiate the monthly payment
YOU WILL ALWAYS PAY TOO MUCH!

I CALCULATE MY OWN
MONTHLY PAYMENTS FOR BOTH
LEASING & FINANCING
TO ENSURE THEY ARE CORRECT AND
NO EXTRA CHARGES WERE SLIPPED INTO THE PRICE WITHOUT MY KNOWLEDGE.

BELIEVE ME,
IT HAPPENS TO CONSUMERS
ALL THE TIME!

CONSUMERS ALWAYS PAY TOO MUCH BECAUSE THEY DO NOT KNOW
THE CAR BUSINESS WELL ENOUGH
TO KEEP FROM BEING OVERCHARGED!

I NEGOTIATE:
1. SELLING PRICE
(Discounted Price W/O Rebates)
2. REBATES
CONSUMER REBATES:
(Public & Private)
DEALERSHIP REBATES:
(Flat Pay Dealer Cash or Stair-Step Dealer Cash Paid Directly to the Dealership from the Manufacturer or Model Year End Bonus Cash)
  3. INTEREST RATES
(for Financing & Leasing)
4. TRADE-IN VALUES
I am an Expert Vehicle Appraiser and can Appraiser Your Vehicle Regardless of
where you live.
I e-mail you a VERY DETAILED Appraisal form for you to fill out WHILE you are looking at
your vehicle.
You are MY EYES, please be truthful
about what you see and I can
accurately appraise your trade-in.

When you are at the dealership,
I speak directly to the
Used Car Manager
who appraised your trade-in.
I ALWAYS get more
for the trade-in then you.

    A LITTLE KNOWN FACT!

DID YOU KNOW CAR DEALERS
ARE LICENSED BROKERS
FOR  BANKS AND LEASE COMPANIES
AND AS SUCH
CAN MARK UP YOUR
INTEREST RATE
ON A LOAN OR LEASE
BY AS MUCH AS
3% A.P.R.
(If you borrow $20,000 for
60 months the additional
3% markup is approximately
$2,000 additional
finance charge to you)

AND THE DEALERSHIP IS PAID
ALL THE EXTRA INTEREST
YOU ARE CHARGED ($2,000) BY
THE BANK OR LEASE COMPANY
AS PURE PROFIT TO THE DEALER!

WHAT YOU DON'T KNOW DEFINITELY COSTS YOU THOUSANDS OF DOLLARS!

Consumers
regularly overpay
because they do not know the finer points of the transaction and negotiate
monthly payments
instead of
price & interest rates

You must keep all items
priced separately.
The price of the car
and the trade-in
must always be separate!

"Interest rates" must
be negotiated
BEFORE
talking about
"monthly payments"

Fees must be kept separate or
you will be double charged so easily you will not know what happened!

If you do NOT keep
everything separate
(salesman will try to
lump everything together)
You will get confused
and find yourself caught up
in monthly payments
and lose sight of the
SELLING PRICES
and INTEREST RATES 
& PAY TOO MUCH FOR BOTH!

I NEGOTIATE
EVERYTHING SEPARATELY:

• The selling PRICE of the Vehicle,
• Your TRADE-IN Value,
• EQUITY of Terminating Leased Vehicle,
• Finance INTEREST RATES,
• Lease MONEY FACTORS,(INTEREST RATE)
• Lease Company BANK FEES,
• Automobile DealershipsDOC FEES,
• I ONLY RECOMMEND AN EXTENDED WARRANTY IF IT IS THE VEHICLES' MANUFACTURER WARRANTY,
• (NEVER Insurance based  or Dealer  owned EXTENDED WARRANTY)
• Vehicle REMOTE STARTERS,
• Vehicle ALARM SYSTEMS,
• LO-JACK Vehicle Recovery System,
• and anything else you may want or need.

New Car Lease Special Deals,
Used Car Lease Special,
Special Low APR Financing,
Special Financing Options

Let a retired professional
automobile sales manager be
YOUR PERSONAL ADVOCATE    representing you and NEGOTIATING IN YOUR BEST INTERESTS the next time
you purchase or lease an automobile!
You will be verrry glad you did!

CALL ME RIGHT NOW!
ASK ME ANY QUESTION!
THERE IS NO DUMB QUESTION
IF YOU DO NOT KNOW THE ANSWER
CALL ME 
973-809-3745
ASK FOR EDWARD

Monday through Saturday
 9:00 AM - 9:00 PM EST
CLOSED ON SUNDAY
I will be very happy to speak with you.

E-MAIL ME ANYTIME AT:
edwardjuliano@yahoo.com
or
ed@PersonalCarNegotiator.com

NEVER GET RIPPED-OFF AGAIN!

I SAVE YOU THOUSANDS OF DOLLARS AND GIVE YOU       PEACE OF MIND

Snail Mail:
Lease4Less.Info LLC
d.b.a.
Personal Car Negotiator.com
1360 Clifton Ave, #369
Clifton,  New Jersey 07012

VIDEO TESTIMONIAL
Bohdana
of Clifton N.J.
Leased New BMW 328xi
&
Financed
New Nissan Rogue

Her Own Words
This is my new car,
and  I just bought it
and thank you to
Mr. Ed Juliano.
The process of buying the car
was very very easy.
Actually, I bought two cars,
one is leasing this one and
another was a financing.
He did everything for me.
What I did was pretty much
came in, signed the paperwork
and picked up the car.
The process,
I never even thought
that something
like this exists,
before I met
Mr. Juliano.
It's unbelievable!
he does everything for you.
He researches the best deals,
he researches how much it is,
what's the best deal for you
to do. He's just wonderful wonderful service.
So, I would highly highly recommend him a million percent.

Patty
of Morristown, N.J.
Financed a (CPO)
Certified Pre-Owned
2009 Nissan Maxima
with only 8,136 Miles

Edward,

The high quality of service you provide is well worth the reasonable cost. Working with you, we had the luxury of relying on your expertise to help fill in the gaps in our knowledge about auto dealership practices, keep the process stress-free, and help us feel confident in our decisions. You provided great insight into the condition and pricing of the various used cars we considered and even negotiated significantly lower prices on both the car and extended, new car warranty we got. You even helped us clear up an administrative error that threatened to deprive us of a new car warranty. Edward, you easily saved us over $1,000 and weeks of research and stress. And we love our car!

Thank you, again.

Ann

TESTIMONIAL

Edward,

Sorry for the delay.
Hope this works for your website:

I would highly recommend
Personal Car Negotiator
to anyone who is looking to
purchase or lease a new vehicle.
I chose the $199 option
and got back that investment
and much more in savings
with the help of
Edward and PCN.

People really need to understand
that the very personable salesman or manager at the  automobile dealership
  ARE NOT YOUR FRIENDS
      and by         
MANIPULATING
different parts of the
  FINANCE or LEASE CONTRACT,
they can cost you
THOUSANDS OF DOLLARS
over the term of your
lease or purchase.

THIS IS EXACTLY WHAT HAPPENED TO ME.

I saved over $3,300 after my negotiator phoned the dealer and called them out for increasing the money factor (interest rate) AND lowering the mileage allowed during the term of the lease
from 12K per year to 10K.

You see, the dealership was overcharging me on the interest rate of the lease (known as the money factor) in order to create a higher interest charge which in fact the dealership gets to keep as pure profit. They were using that extra profit to subsidize the amount they were allowing me for the equity in my off-lease vehicle which was a
2008 Infinity EX-35 Black on Black
with less than 10,000 miles on it.

You see the sales manager did not want to give me the equity I felt I was entitled to based on my research of the current wholesale value of the vehicle which I felt was $29,900 according to KBB.
The residual value for the terminating
lease vehicle was $22,310 so I figured I had $7,590 of equity I could use towards the new lease.

Edward explained KKB values are not as current as the values he uses directly from the auto auctions through out the nation and that $29,900 was too high for the wholesale value. He said "really exceptionally clean, low mileage, higher end vehicles are being sold back to the dealers from the manufacturers for $3,500 to $4500 over the residual value.
 
Edward said I should expect anywhere
from $25,800 to $26,800 ACV
(Actual Cash Value)
I negotiated $27,000 trade value
which gave me $4,690 EQUITY
in the Lease I was Terminating so
I could use it to lower my payments on
my New Infinity M37-X
I called Ed the next day to tell him and he was very proud of me.

Once the sales manager used the correct money factor and residual value using 12K miles per year  and agreed to meet the trade in amount I negotiated, my monthly payment dropped $100 per month.

In other words they gave me ~ $3,000 more on my trade value and then used the correct money factor and residual value, basically wiping out the additional trade dollars which were not real in the first place!

 What I got with PCN was dedicated help through the entire lease process over a weeks time.

I not only saved thousands of dollars but got an education on how the process works.

 With the help of PCN we got the piece of mind knowing we got the best deal possible so we can more fully enjoy our  
Brand New Infinity M37x.

I will definitely call PCN when I trade in
our other car in the near future.          
Watch out Jeep dealers!

Don S.
Perkasie, Pa.
Sent from my iPad

TESTIMONIAL
Ed...payment was made
to you through PayPal today (1/7/12) for 199.00 plus tax.
Let me know that you received
it without a problem.

This was the most pleasant, non-anxiety producing
car buying experience
I have ever had.

The car is great,
we both love it.
You were a pleasure
to deal with and
obviously know the
ins and outs of
buying/leasing
that the normal
customer would not.

The spread sheet info
was clear, concise and
gave me all the
information I needed
to make an intelligent, informed decision.

Also, thank you for directing  me to the team at
GEORGE WALL
FORD-LINCOLN
in Shrewsberry N.J.
732-747-5400
www.georgewall.com
a great experience.
Friendly, helpful and very accommodating with my    crazy work schedule.
They were very willing to    work with me while I was busy
dumping the Audi.

Unlike my last Ford dealer experience I had bought 2 vehicles from them with no problems BUT when we turned in the Ford Edge lease,         the sales manager tried to  back out of the deal assuming the last two lease payments towards the purchase of the other vehicle.
The sales person knew he was screwing around but couldn't say anything as he was new and didn't want to jeopardize his job. It was the lease manager who called the sales manager on the carpet and had him sign off on what he agreed to - otherwise, my wife would have walked away from the deal.

NOTHING OF THE
SORT WITH
    GEORGE WALL     FORD-LINCOLN
www.georgewall.com
In fact, we got a better deal with them than originally thought as you pointed out.
I will definitely use
George Wall
as a dealer of choice
for another purchase and
will definitely utilize your services again
(especially when my older
son is ready for a purchase.)

FEEL FREE TO USE ME
AS A  REFERENCE
FOR OTHER CLIENTS
Dr. Bernard Kulper

I can be reached at:
 bernardkulper1@gmail.com
I will sing your praises on the St. Benedict's Prep
Face Book page.

TESTIMONIAL

Ed has helped my family with the purchase of several cars;
I would not even think of buying
a car without him.  

Most recently, he worked with my husband and me to purchase
our new Subaru. 

First we went shopping to determine in which make and model of car we were interested. My husband and I obtained a price quote and a trade-in value for our car.
Since Ed has helped us before
we knew not to leave a deposit without Ed being there.

Then we gave Ed a call
and he took it from there. 

 Ed called the dealership and spoke with, among others, the general manager to begin the price discussions. 

Next, Ed and I went to the dealership and he completed his negotiations.  

Every step of the way, Ed could not be more knowledgeable and professional.  In fact, the sales manager was so impressed with Ed that he stated,
“We could use more guys
like you in the business”. 
Then he said that they were currently hiring and suggested that Ed give them a call. 
But, I don’t think that Ed was interested; he really seems to enjoy what he does. 
Ed really seems to love helping people with what can be a very confusing and anxiety ridden experience
of buying a car. 

With Ed at your side, it is a simple process.  Plus, we figure that he saved us about $2,500.00 off the price and trade-in value that my husband and I negotiated the night before without Ed
being there.

We were smart enough not to purchase without Ed being with us. He told the sales manager there was $466 worth of equipment on the invoice we should not have to pay for because N.J. requires two license plates and we were being charged for the second license holder.
Plus there was another charge
he refused to pay.

Then he was able to negotiate $2,000 more money for our trade-in because Ed knows the used car market so very well and knows what cars are really worth!
He is an expert appraiser.

A co-worker of mine hired Ed when she bought her new car and he negotiated her trade-in value $2,300 higher than what three car dealerships were offering her. 

I teach high school in Livingston, N.J. and I do not think there is a teacher who works here that would buy a car without Ed's help after they all heard about how
he help us both save so
much money.

Catherine
Parsippany, N.J.

TESTIMONIAL

Having decided to trade in my car and get a new one, I knew I needed professional help with this stressful transaction.
A colleague suggested that I get in touch with Edward, which I did and I told him that I was interested in purchasing a Toyota Rav4. 
Edward did a thorough research of the value of my trade in and set up appointments with three different dealerships. 
He spent an entire day with me.
He accompanied me to test-drive the Rav4 and negotiated relentlessly
but in a very professional
and calm manner to get me
the best value for my old car. 

Had I gone alone,
I would have been out of
quite a bit of money. 
During this process, Edward was most patient with me, taking time to educate me about cars and how to get the best deal.  At the end of the day,
I drove away in a spanking new
Toyota Rav4 with the certainty
that I got the best value. 

I will recommend Edward’s professional service to all my friends and acquaintances and will be calling
on him for any future car business.

 Ana (West Orange, NJ)

TESTIMONIALS
more testimonials

Edward,
I wanted to express my
deepest appreciation    
for your services.
I could not be happier.

I picked up the Cadillac
on Saturday.
Thanks to you all went well.
All I had to do was sign
& pick up the keys.
"What a great service you offer the public"
I will continue to spread the
great news about your unique
and professional business.
My daughter Toby will be
looking for another new car
sometime soon and looks
forward to contacting you.

I look forward to doing
business with you for
years to come. God Bless
you and your family.
"YOU REALLY CAN'T AFFORD NOT TO USE

THIS SERVICE"

Thank you again.
Norma - Staten Island, N.Y.

TESTIMONIALS

Hi Ed,
 I actually ended up leasing the vehicle through a different Mercedes Benz Dealer. 
The original dealer did not have the color I wanted by the time I arrived at he dealership.

Thanks to your
assistance and expertise,
I was able to walk into a
different dealership and successfully negotiate a lease
deal in the color I desired.
I was so confident
because of your help,
that I negotiated like a professional. 
"I  knew exactly
what I was doing
and there was no way
 I could be overcharged".

TESTIMONIALS

Dear Ed,
Not only am I extremely happy
with my new car, but the whole process of buying it was stress-free with your help!

From the beginning,
when you accompanied me for
the test drive of three different vehicles, through the whole
process of deciding on and
locating the right car,
negotiating with the dealer
and finally picking it up,
you took care of things,
always offering good advice
and information.
I learned a lot,
didn't feel any pressure
and ended up with a fabulous
deal on this great and
(very cool) car.
"SURPRISINGLY REASONABLE  FEE"
Thank you so much!  
Best Regards,  
Ellen - Fair Lawn, N.J.

TESTIMONIALS

Hello Edward,
Thank you so much for your
help. We are grateful that
Norma told us about you.  

We could have never
negotiated a deal like this.
We picked the truck on
Friday night.
 The truck is beautiful!
We are extremely happy
with the vehicle.

My friends
Peter & Lynne will be
calling you shortly.
They are looking for a
fully loaded Nissan Quest.

Thank you again & look forward to using your services when we return our other leased vehicle.
   "Please be confident that we will be telling all of our friends
about you & your professional services"
Thanks again,
Christine & Joe 
Millstone Twp, N.J.