Podcast appearances and mentions of ford credit

The Department of Government Efficiency, run by Elon Musk, effectively shut down the Consumer Financial Protection Bureau over the weekend, adding to uncertainty regarding operations after CFPB Director Rohit Chopra was fired last week.  Auto retailers Asbury Automotive and Group 1 Automotive in the fourth quarter reported a double-digital year-over-year increase in finance and insurance revenue as sales rose.  Ford Credit also reported Q4 earnings last week. The captive's U.S. and Canada consumer loan and lease outstandings increased 8.4% YoY to $89.2 billion as lease volume picked up and credit losses rose. In powersports, Harley-Davidson Financial Services' originations declined 16% YoY in Q4 and provisions for credit losses rose 27% YoY. North American retail sales of Harley-Davidson motorcycles also decreased 13% YoY, while sales of LiveWire electric motorcycles fell 54% YoY.  The AIM Expo Tradeshow last week in Las Vegas highlighted stable promotional activity across the industry along with trends in technology adoption and motorcycle sales. In this episode of “Weekly Wrap,” Auto Finance News Editor Amanda Harris and associate editors Ashley Savage and James Van Bramer discuss trends in compliance, sales, earnings and powersports for the week ended Feb. 7. 

With the Palisades and Eaton fires ravaging through Southern California, Ford, alongside some other automakers have put out resources and information so those affected can get the help they need.Email from Jake Bley: Hi Kyle and Dave (sorry for the late email), not your usual content but given how connected you are in the community I wanted to share. Your support will allow us to reach as many impacted individuals as possible.Today we're providing an update on the support provided by Ford in response to the wildfires in Los Angeles. Ford has always shown up for communities, and we are committed to being there for the greater Los Angeles area, now and over the long journey ahead.To assist our owners within the Federal Emergency Management Agency (FEMA) Designated Disaster Area 4856, Ford has launched the following.Payment Deferrals:Ford Credit is offering 120-day payment deferrals to affected customers. Customers can contact their dealer or Ford Credit for more information.Pricing:California Wildfires Disaster Relief employee pricing on select new 2024-2025 Ford models will be available at participating Ford Dealers through March 31, 2025, for eligible California residents who lost their vehicle due to the fires. Customers can contact their local dealer for more information.BlueOval Charge Network California Wildfires Reimbursement Program:All BlueOval Charge Network charging sessions initiated within the FEMA designated areas from January 7, 2025 through January 31, 2025 will be reimbursed to the customer.Fast Charging Adapters:We are temporarily holding open adapter reservation shipments for customers in certain impacted areas until it is feasible to resume. For displaced customers, we will expedite address changes and hold shipments at the customer's request.A shipment of adapters has been sent to dealers in the immediate area. This is to support customers with immediate charging needs, including those utilizing their vehicles to power support. Ford Power Promise:If a customer received a complimentary home charger and standard installation through Ford Power Promise and subsequently lost their home in the fires, Ford will replace their charger and cover the cost of a standard installation for a replacement charger. More information on this initiative to come.Support continues with Team Rubicon, California Community Foundation, American Red Cross, and Feeding America to assist relief efforts. Learn more about our community support and how to get involved here: https://www.linkedin.com/posts/ford-philanthropy_our-hearts-go-out-to-those-impacted-by-the-activity-7284554184706637824-Ba-e Shoutout to our sponsors for more information find their links below:- Fort Collins Kia: Visit focokia.com for full details. Disclaimer: *Delivery covers up to $1,000.Find us on all of these places:YouTube: https://www.youtube.com/outofspecpodcastApple Podcasts: https://podcasts.apple.com/us/podcast/out-of-spec-podcast/id1576636119Spotify: https://open.spotify.com/show/0tKIQfKL9oaHc1DLOTWvbdAmazon: https://music.amazon.com/podcasts/473692b9-05b9-41f9-9b38-9f86fbdabee7/OUT-OF-SPEC-PODCASTFor further inquiries please email podcast@outofspecstudios.com Hosted on Acast. See acast.com/privacy for more information.

How can teams unlock elite productivity while navigating the complexities of DevOps? Expert consultant Xing Zhou reveals how DORA metrics—from deployment frequency to change failure rate, drive performance and bridge gaps between leadership and the team members. Xing's impressive career spans companies like Amazon, Pivotal Labs, and Integral. He currently serves as  Xing has led high-performing teams, implemented cutting-edge DevOps strategies, and helped organizations make meaningful progress toward elite DORA benchmarks. Xing and Ashok discuss actionable steps for C-Suite leaders and product teams, focusing on SLAs, CI/CD, behavior-driven development, and event storming workshops to drive alignment and enhance productivity. Packed with real-world examples, this conversation is essential listening for anyone aiming to turn metrics into a reflection of team health and organizational success. Inside the episode... A clear explanation of Dora metrics: what they are and why they matter. How SLAs and SLOs empower teams while aligning with organizational goals. Continuous delivery (CD): balancing technical capability with business priorities. The difference between pull request (PR) and trunk-based development for CI. Behavior-driven development (BDD) and its role in improving test automation. Event storming: how this simple tool drives clarity in business processes. Practical strategies for introducing new practices like BDD or event storming to your team. Mentioned in this episode: Behavior-Driven Development (BDD) Gherkin language for test automation Event storming Unlock the full potential of your product team with Integral's player coaches, experts in lean, human-centered design. Visit integral.io/convergence for a free Product Success Lab workshop to gain clarity and confidence in tackling any product design or engineering challenge. Subscribe to the Convergence podcast wherever you get podcasts including video episodes to get updated on the other crucial conversations that we'll post on YouTube at youtube.com/@convergencefmpodcast Learn something? Give us a 5 star review and like the podcast on YouTube. It's how we grow.   Follow the Pod Linkedin: https://www.linkedin.com/company/convergence-podcast/ X: https://twitter.com/podconvergence Instagram: @podconvergence

Marion Harris, CEO of Ford Motor Credit, is a successful captain of industry and a serious practitioner of heliotropic leadership. He shares his tips for success in the corporate world, as someone who's learned from leaders both good and not-so-good. As you'll hear from him, the most important leadership trait is to care enough to want to be a better leader. Our nickname for this podcast is, “If you're not having fun, you're not doing it right.”Useful links from this episode:About "Be the Sun, Not the Salt"

Resultados de Orbia; Laureate; Cuprum; Conoce a Vanesa Robles; Trane; Ford Credit; Airbnb; crédito para startups; Pollo Tropical; nuevas empresas en EUA; hard seltzers; San Francisco y los 'homeless'.Prueba Whitepaper 30 días gratis http://whitepaper.com.mx/30day

In this episode, we dive deep into the topic of how many cars are too many. This of course is after we discuss the recent patent filing by Ford Motor Company, one of which allows various ways to auto repossess your car. Derek does wonder how the salesperson will make that a selling point. Afterward the three key takeaways from our conversation about downsizing:Priorities matter: When it comes to owning a collection of cars, everyone has their own priorities. Some people prioritize the historical significance of a car, while others prioritize the thrill of driving it. It's essential to think about your own priorities and how they align with your collection.Time management is crucial: Maintaining a collection of cars takes time and effort. It's important to think about how much time you have to devote to your collection and how many vehicles you can realistically manage.There's no such thing as too many cars: Okay, maybe this one is a bit controversial, but hear us out. While it's important to consider your priorities and time management, ultimately, there's no limit to how many cars you can own if you have the means to do so. After all, who doesn't love a good car collection?Overall, our conversation on this episode was lively and thought-provoking. We hope you'll give it a listen and share your own thoughts on the topic. As always, you can find our podcast on nodrivinggloves.com and we welcome your feedback and suggestions for future episodes. Happy listening![00:01:30] Auto repossession patent. [00:05:38] Long-distance electric car transport.[00:12:06] Ford's drone car repair. [00:12:34] Drone jumpstarting cars. [00:17:31] Too many cars in the collection. [00:20:59] Car collection management. [00:27:56] Automotive history collection. [00:29:42] Car collecting addiction. [00:34:20] Car collection as an investment. [00:39:23] Downsizing car collection quality. [00:43:19] Collector car decision-making. [00:47:29] Demolition Derby Car Preservation.Ford, patents, auto repossess, dealership, Ford Credit., car repossession, Ford Motor Company, subscription-based automotive options, patent, long-distance electric car transport, Ford, electric car, transport, logistics, charging time.,shipping, cost, carrier, routes, drone car repair, drone, car, battery, patent application, Chinese company, Tom Cruise, EMP, War of the Worlds, podcast, downsizing.,building leaser, challenging, money, car collection, overhead, collections, theory, automotive ADHD, car collections, four-door sedan, exotic sports car, four-by-four truck, Gladiator, Bronco, ideal collection, middle class, practical, utilitarian, Saab, Civic, Jeep, Dodge Dakota, Lotus, Mini, Fiesta, Camry., cars, downsizing, priorities, collections, time allotment, the twenties, late twenties, early thirties, automobile, collection.,the sports car, practical car, sedan, downsizing, investment, investment, downsizing, collection, income, financing, maintenance, selling, separation, downsizing, quality collection, promise, elbow grease, collection, selling, quality.,repurposing, funds, collector car, collection, caretaker, demolition derby, museum, collection, cars, business

Carvana and Ford Credit are having very different experiences in the capital markets, illustrating the volatile nature of the securities market as interest rates continue to increase. In this episode of the Weekly Wrap, Editor Joey Pizzolato, Deputy Editor Amanda Harris and Associate Editor Riley Wolfbauer discuss the top stories for the week ending May 5 and what to expect in the week ahead. 

Today is Wednesday, April 12, and we're looking at Stellantis Financial Services vs. Ford Credit.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

- Toyota Losing Money in the U.S. Market - Ford Credit Launches Ad Campaign - Mine Waste a Great Source for EV Materials - BYD YangWang Targets Mercedes G-Wagon - Who Needs Lithium? Not BYD's Sodium Batteries - New Renault 5 is All Electric - Toyota Taco Gets Hybrid Option - Amazon Operating 3,000 Rivian Vans - Genesis Unveils GV80 Coupe Concept - AM Radio on the Way Out

- Toyota Losing Money in the U.S. Market - Ford Credit Launches Ad Campaign - Mine Waste a Great Source for EV Materials - BYD YangWang Targets Mercedes G-Wagon - Who Needs Lithium? Not BYD's Sodium Batteries - New Renault 5 is All Electric - Toyota Taco Gets Hybrid Option - Amazon Operating 3,000 Rivian Vans - Genesis Unveils GV80 Coupe Concept - AM Radio on the Way Out

Ford Credit's U.S. and Canada outstandings climbed 1.7% sequentially but remained down 3.9% YoY at $77.5 billion in Q4. The captive does not expect to pay distributions to Ford Motor in 2023 on the heels of an 82% YoY decline in earnings before taxes amid a dip in financing margin along with lower credit loss and lease residual releases. 

Sylvia Veitia es la vicepresidenta global de operaciones de Ford Credit Financial Services, el brazo financiero de la multinacional automotriz norteamericana.

Benny Robles Jr. is an automotive industry “lifer” - he grew up around the business and took to it like a natural. Benny's father, Benjamin Robles Sr., audited Bartow Ford when working at Ford Credit, befriended the then-owners, went to work for Bartow as a finance manager, and eventually purchased the dealership. Benny, a NADA Academy graduate, has worked many positions on the retail and service sides en route to becoming the majority owner himself and being featured in the Automotive News “40 Under 40” list in 2014.On this episode, Benny sits down with our host Derek D to discuss finding the balance between acquiring a new location in a slow but risky market and a fast but high-priced one, how service absorption and avoiding overreliance on the manufacturer has helped Bartow Ford weather the microchip shortage, and why he prefers volume to heavy front-end gross. He also talks about why he loves the “shake-and-bake” feeling of automotive sales, holding a country music concert in the dealership lot, why growing up in the business made him paradoxically less of an auto enthusiast, and more.Bartow FordEpisode Highlights:Why Benny once had 76 tons of snow trucked in to Bartow, FLWhat the true most effective form of dealership advertising is - especially within a small communityHow a low turnover rate has benefited all of Bartow Ford's departmentsWhy Benny briefly butted heads with his father after acquiring the majority stake in Bartow Ford“I've already tried to light a fire underneath the sales force to compensate for when that shift happens.”— Benny Robles Jr.|| Dealer News Today is a DCG Media production

We're celebrating our 200th Episode of the Automotive Troublemaker by….bringing you essential news and insights of course :). Today we talk about Ford keeping their off lease EVs, summarizing the Super Bowl of NFTs, and studying the first 90 days of a new hire. Ford stops customers from buying vehicles off lease All Ford Credit lessees will not be able to buy their vehicle off lease as of June 15 in 38 states. (Remaining 12 will be included by year's endCustomers will be able to ‘renew' their lease into a new modelPrimary objective is to keep battery materials within the Ford ecosystem for recycling and being put into new vehiclesTake Away: That's one less used car per EV lease written by Ford Credit and one more reason to create a multitude of banking relationshipsNFT.NYC touts strong support for NFT marketing in the midst of crypto winterDifferent, but still optimistic, tone due to crypto markets being down over $2TOver 15,000 artists and enthusiasts attended including major musical acts like The Chainsmokers and MadonnaWhile Crypto currency is about tendering payment, NFT's are about building brand through communityCEOs from Samsung, to Doodle (platform creating and selling more than $300M in NFTs), to OpenSea talked about brand application from the real world to the metaverseTake away: If you haven't realized it yet, community is one of the strongest human instincts. NFT's are just the conduit. You should keep learning about them. We guarantee that some of your staff is willing to teach you. Employers are putting a renewed emphasis on the 90 Day RuleIn a high turnover environment, reducing “quick quits” is more important than everMany companies offering post 90 day bonus incentivesCarrier corp pairs new hires with a “buddy”Data shows that if someone stays for 90 days, they will likely stay at least one yearOne company in the article reduced turnover from 37% in January to 16% currently by implementing more intentional onboardingIt's all about connection to the company's trajectory, people, and communityTake away: A little more intentionality goes a long way in the first weeksGet the Daily Push Back email at https://www.asotu.com/Listen to other episodes: https://www.asotu.com/media/podcastsRead our most recent email at: https://www.asotu.com/media/push-back-emailShare your positive dealer stories: https://www.asotu.com/positivity----Rock w/ us on social:Insta: https://www.instagram.com/automotivestateoftheunion/ Twitter: https://twitter.com/asotu_ Tik Tok: https://www.tiktok.com/@ASOTU FB: https://www.facebook.com/automotivestateoftheunion Pinterest: https://www.pinterest.com/automotivestateoftheunion/_created/ 

Last week, Ford Credit increased its purchase offer on outstanding debt securities to $3 billion as the industry forecasts declining vehicle sales in June, while interest rates rise and consumer sentiment and confidence decline.  New-vehicle sales are projected to slump year over year in June, with the retail seasonally adjusted annualized rate (SAAR) falling 2.3 million units to 11.3 million, according to a joint forecast from JD Power and LMC Automotive. That's still an improvement from May's figure of 10.9 million units, however, according to the forecast. 

En este último Encuentro, platicamos con Claudia Jañez, una mexicana líder del sector de ciencia y tecnología, actualmente consejera independiente de empresas como América Móvil, HSBC y la Bolsa Mexicana de Valores. Claudia ha tenido una carrera ejemplar en puestos de dirección en Ford Credit, GE y DuPont México.En esta conversación, nos adentramos en la importancia de la diversidad e inclusión, y cómo verdaderamente comprometerse con las mujeres es mucho más que cumplir con regulaciones y protocolos. Claudia comparte cómo encontrar el balance entre asumir riesgos y salir de nuestra zona de confort. Logramos aterrizar sus aprendizajes y experiencias más definitorias para entender cómo las puedes aplicar hoy en tu carrera profesional y en tu desarrollo personal.

Jennifer M. Harvey is the founder and managing partner of Harvey Legal Group, PLLC. She serves on the Probate and Estate Planning Advisory Board and is also faculty for the Institute of Continuing Legal Education (ICLE) in Ann Arbor where she teaches other attorneys about estate planning, trust administration, and estate administration. Ms. Harvey began her legal career working as outside counsel for Ford Motor Credit Company. She has represented Ford Credit in hundreds of cases throughout the State of Michigan, in both plaintiff and defense capacities. A zealous advocate, Ms. Harvey always goes the extra mile both legally and practically to achieve her client's goals.Ms. Harvey is also a recurring guest speaker at the University of Toledo's College of Law. Ms. Harvey also speaks at seminars that benefit the community throughout the year with topics including automotive company buyouts (sponsored by the Detroit Free Press), elder law, and women's legal issues. She serves as Volunteer General Counsel for Michigan Abolitionist Project (MAP), a non-profit dedicated to eliminating modern day slavery (human trafficking).Ms. Harvey has been featured or published in the Michigan Bar Journal, Detroit Legal News, Michigan Lawyer's Weekly, Observer/Eccentric Newspapers, Hour Detroit, Oakland County Legal News, State Bar of Michigan's Inter Alia, and Detroit Free Press and has had cases that she worked on featured in The Detroit News, WDIV Channel 4 News, and Crain's Detroit. Ms. Harvey earned her Bachelor of Arts in English from the University of Michigan and her Juris Doctor from Ave Maria School of Law. Ms. Harvey focuses her practice on the simple philosophy of helping people, which enables her firm to take care of her clients, their families, and businesses.WebsitesHarvey Legal Group, PLLChttps://harveylegalgroup.com/Operation Thriving Marriagehttps://www.operationthrivingmarriage.com/

In the first official segment of "Talkin' Shop," Darren interviews Jon DeHeus, a product designer for Ford Credit. Darren presents questions to discuss Jon's journey as a UX professional, how he got into the discipline, biggest challenges, greatest memories, and much more. Tune in today to learn about Jon's life in UX and to get inspiration for your own trek.#ux#uxr#uxinterviews#podcasts#cxofmradio#cxofm#realuxtalk#worldofux

Bryon Harvey is an enthusiastic communicator who uniquely leads people to a life-changing encounter with God. Bryon clearly delivers messages that inspire people to apply Christ's truth to their lives. Bryon's passion, understanding of contemporary culture, and ability to communicate to people at all levels of understanding allow him to create fun, relevant, and memorable learning experiences. For over 20 years, Bryon has spoken at worship services, retreats, and conferences. It is of utmost importance to him that both parts of Christ's great commission are fulfilled while he teaches: that people are led to Christ and that they grow in their relationship with God. Bryon has appeared before audience sizes of 30-3,000 and custom-tailors his messages to speak effectively to each gathering. Bryon earned a Bachelor's of Religious Education at Moody Theological Seminary – Michigan, his Master's of Divinity at Trinity College of the Bible and Seminary, and has served in ministry for twenty years. He has written, developed, and taught curriculum in churches with congregations of 200-14,000. He has served in the Michigan Air National Guard since 2001, presently holds the rank of Senior Master Sergeant, and served in the role of First Sergeant for 6 years. He currently serves in the Air Staff at the Michigan National Guard Joint Force Headquarters. Jennifer M. Harvey is the founder and managing partner of Harvey Legal Group, PLLC. She serves on the Probate and Estate Planning Advisory Board. She is also faculty for the Institute of Continuing Legal Education (ICLE) in Ann Arbor, where she teaches other attorneys about estate planning, trust administration, and estate administration. Ms. Harvey began her legal career working as outside counsel for Ford Motor Credit Company. She has represented Ford Credit in hundreds of cases throughout the State of Michigan, in both plaintiff and defense capacities. A zealous advocate, Ms. Harvey always goes the extra mile both legally and practically to achieve her client's goals. Ms. Harvey is also a recurring guest speaker at the University of Toledo's College of Law. Ms. Harvey also speaks at seminars that benefit the community throughout the year, including automotive company buyouts (sponsored by the Detroit Free Press), elder law, and women's legal issues. She serves as Volunteer General Counsel for Michigan Abolitionist Project (MAP), a non-profit dedicated to eliminating modern-day slavery (human trafficking). Ms. Harvey has been featured or published in the Michigan Bar Journal, Detroit Legal News, Michigan Lawyer's Weekly, Observer/Eccentric Newspapers, Hour Detroit, Oakland County Legal News, State Bar of Michigan's Inter Alia, and Detroit Free Press and has had cases that she worked on featured in The Detroit News, WDIV Channel 4 News, and Crain's Detroit. Ms. Harvey earned her Bachelor of Arts in English from the University of Michigan and her Juris Doctor from Ave Maria School of Law. Ms. Harvey focuses her practice on the simple philosophy of helping people, which enables her firm to take care of her clients, their families, and businesses. If you would like to learn more about Bryon and Jennifer Harvey go to www.bryonharvey.com To learn more about WCG, go to www.worldlychurchgirl.com

David is a highly experienced automotive finance professional and a wonderful human being. He started work straight from school in a branch of the Midland Bank which is now part of HSBC before finding his way into automotive with Ford Credit. He rose up through the ranks at Ford Credit from trainee Zone Manager to Regional Director in Europe amassing valuable experience on the way.After taking early retirement he spent a spell managing his local golf club before heading over to Qatar to set up an auto-finance company  Having done that, he came back to the UK to set up Tesla Financial Services UK and its shared services operations centre in Amsterdam. From there, he went on to complete consulting projects with a start up bank and Ricoh. He is now a member of the team at Aquilae the international auto finance consultancy where he has worked on Projects for Fair, the Californian car subscription business, and where he is currently helping an electric bus and van start up prepare to offer financial services to their customers.David is a wonderful colleague to work with. He is genuinely humble. He understands the automotive finance business inside out and despite his decades of experience he gets genuinely excited by new challenges and relishes finding better ways of doing what we do.I am delighted to share David's career journey with you. I hope you enjoy it and I look forward to hearing from you. Why not follow us on Instagram @careerviewmirror where you can comment on the specific episodes that you have enjoyed.To help you navigate the content we've separated it into chapters which work on Apple Podcasts and certain other streaming platforms. This episode of Career-view Mirror is brought to you by Aquilae. Aquilae provides Expertise as a Service to Automotive Finance and mobility businesses internationally.We are a team of highly experienced professionals with diverse and complementary knowledge, skills, experience and professional networks that we have gained over years working successfully in automotive finance, internationally.If you're looking to set up a captive finance company for your EV start-up or review and improve systems and processes in your existing business, or you would like to have me as your team coach, email me andy@aquilae.co.uk and let's start a conversation! If you enjoyed this podcast please take a moment to leave a review on Apple Podcasts. Your feedback helps us grow. For details of our forthcoming guests follow us:Instagram @careerviewmirrorEpisode recorded on 17 May 2021

- Volkswagen Q1 Financial Results- Aston Martin DBX Helps Boost Sales- Ferrari Posts Strong Q1- GM Financial Growing Fast- Ford Developing New Ways to Produce e-Motors- New NASCAR Cars Look Like Real Cars- Porsche Develops Storage Box Like a Car- Citroen Turns Tiny Car Into Cargo Hauler- A Computer's Interpretation of Art

- Volkswagen Q1 Financial Results - Aston Martin DBX Helps Boost Sales - Ferrari Posts Strong Q1 - GM Financial Growing Fast - Ford Developing New Ways to Produce e-Motors - New NASCAR Cars Look Like Real Cars - Porsche Develops Storage Box Like a Car - Citroen Turns Tiny Car Into Cargo Hauler - A Computer's Interpretation of Art

This week on the V8 Sleuth Podcast we're chatting about GSR6, the car that famously let Glenn Seton down just nine laps shy of winning the 1995 Tooheys 1000. Along with the car's most famous (or should that be infamous?) moment, we trace its history as a chassis that was at the centre of a major controversy, plus the other significant moments throughout its period history as a touring car.

This week, the Auto Finance News team took a deep dive into third-quarter earnings for auto lenders and found that, overall, the industry is seeing further signs of recovery.  In this edition of the Weekly Wrap, Amanda Harris, JJ Hornblass and Joey Pizzolato discuss these news developments for the week ending Oct. 30 and what's on the horizon for next week. 

This week, Ford Motor Credit propped up Ford Motor Co.'s second-quarter performance with strong consumer loans and leases, and low delinquency rates as major banks tightened credit underwriting standards. Still, Ford Credit increased its allowance for credit losses in anticipation of the end to extension programs and continued economic fallout from the COVID-19 pandemic. Lenders will need to be ready to make tough decisions as payment assistance programs come to a close. During this week's Auto Finance Risk Summit webinar, compliance experts shared regulatory best practices for lenders during this unprecedented time. In this edition of the Weekly Wrap, Joey Pizzolato and Amanda Harris discuss these news developments during the week ending Aug. 7, 2020. Next week, Auto Finance News will dive into the inner workings of a new digital auto lender in the refinance space and Ford's new credit card program with linked incentives. 

This week was ripe with news on the innovation front, as Ford Credit outlined the details of its new financing product, the Ford Option, and Upgrade, a personal loan fintech, has plans to enter the auto finance market this year with its sights set on $1 billion in new loan originations. Meanwhile, loan performance in dealer floorplan asset-backed securities is showing signs of improvement on the heels of rising vehicle sales.

- Ford's Credit Rating Downgraded- GM's Could Get Downgraded Too- Large Dealer Group Backs Out of Deal- Honda's Australia Dealers Mad- Automakers Want to Re-Open ASAP- C8 Corvette Origin Story- Toyota's Product Plans Leak Out- Toyota Using AI to Understand Humans- Volkswagen Electrifies Old Bus- Possible Easy Way to Make Face Masks- Mercedes Tests First Electric Minivan in the Snow- How Hyundai Increased Elantra's MPG with a Hybrid- How to Spot a Meth Lab?

HR 3(3-2-20): Camspiracies. Richard Rush, sports. Ford credit card by John Rush

Welcome to The Naked Truth – I'm super excited!  This has been on my bucket list for soooo long and finally, the time has come.  I'm Claire Jefford, a certified & award-winning Interior Decorator, business coach, vlogger & speaker. I'm here to bring you THE NAKED TRUTH about running a successful ID business. Here we will have real conversations about the multitude of topics & situations that affect your business and our industry every day…but these will be conversations that we don't often hear discussed within a public forum. More on that in just a minute. First, if you already know me, you may know me from either my YouTube coaching channel – Claire Jefford. Or perhaps you saw me speak at a Design event or you may be part of my private Facebook Group - Interior Design Business Strategies. IDBS – where there is no BS. A lot of the discussions that we have in my private group of over 4000 interior designers, decorators, and stagers from all across the globe, are similar to the discussions I will be having here, out in the open on THE NAKED TRUTH – TNT the podcast. Bringing you dynamite Claire-ity for your interior design business. I will be speaking with design professionals just like you and maybe even speaking with you too in future episodes as The Naked Truth evolves. Let's face it, without you, your stories and your willingness to share, this podcast would not be possible. Some of these conversations will take place as ‘roundtable' style discussions. Who doesn't freakin' love roundtables?!  The magic that happens during open talks at roundtables is the most exciting, the most exhilarating and the most highly anticipated part of many events and conferences. The roundtables are where the nitty-gritty questions are asked and answered by speakers and participants. The roundtables are where real stories & actual experiences are shared. It's where we look at one another and can truly empathize with a situation or feeling, shouting, ‘Yes! Yes! I've been there too!' This is my goal for THE NAKED TRUTH podcast and it aligns perfectly with the reasons behind: why I started my coaching business; why I created my private FB group & why I speak at events & coach designers all across the world. I get the opportunity to connect with you directly and remind you that you are not alone in this…not at all. When we share real-life experiences and stories of real situations we come up against in running an interior design business, we come together as a supportive community. Collaboration over competition is something I believe in 100%. Consider this podcast as an extension of my YouTube channel and my FB group. All of the content I share across these platforms are focused to help you gain more confidence and a better understanding of how to run a successful design business, so be sure you follow me over on YT –search Claire Jefford and be a part of my amazing tribe over on FB – search Interior Design Business Strategies. I've been in the interior design business for nearly 10 years.  I graduated as a Certified Interior Decorator and thought that starting my own business was going to be so much fun! The problem was, despite having a certification; I had no idea what I was doing in terms of running a business!  I started ‘Creating Contrast Designs' (this was the name of my business for 6 years before moving under one umbrella as Claire Jefford in 2017 and now Claire Jefford Inc in 2019) And let me tell you, I was going at it blind my friends. I had very little clue as to what I was doing. Does that resonate with you at all? Hmm? Maybe just a little? Here's a little bit of background for you on my journey in life so far and how I came to be where I am today. I grew up just outside Toronto, Ontario in the beautiful city of Burlington. My parents divorced when I was 10 years old. I lived with my Dad, sister & stepfamily close to the Niagara Falls area from the time I was 11 years old until moving back to Burlington with my Mom to attend a local college in my early 20's.  After initially graduating from Corrections in 1998 and having done a short stint in prison – not as an inmate but as a Correctional Office –an opportunity presented itself for me to move to England. My Mom's side of the family was all from the UK & so I decided to take some time out to head across the pond to nanny for my aunt & uncle, as well as explore Europe. I was 23 years old. (To save you from doing the math, today I'm 44 years young.)  In August of 1998, I moved to a little town called Watford, just outside London. In November of that same year, I met Chris. Chris is the lovely Brit whose voice you will hear in the intro of every TNT podcast. He is my other half – probably the better half if I'm honest…and seeing as my podcast is called THE NAKED TRUTH, you'll soon learn that there is no other way that I know how to be than totally upfront, all the time.   Although I was meant to stay in the UK initially for only 6 months, after meeting Chris I stayed for 6 years. I traded ‘Corrections' for ‘Collections' and got a job at a large car company that you may have heard of – Ford Motor Company. I worked initially in Collections for a short time at Ford Credit until being promoted into a Human Resources position.  Here my role was to support management in different divisions within the company. I worked in recruitment, interviewing new and current employees looking to advance their career, monitoring absence patterns, initiated a ‘return to work' program, as well as creating many processes and systems.  As I'm sure you can appreciate if you've been in this business for any length of time, this HR experience proved invaluable as I began my career in Interior Design.   After much travel across the UK and through Europe, including a 3-week backpacking excursion on my own to Greece, Italy, France & Spain, Chris and I planned our inevitable move back to Canada. In February of 2004, we had our son Adley who was born in London just a few months before we made the move back to my home town.  Back in Burlington, I was extremely happy to be a stay at home mom for 4 years, welcoming our daughter Elise into the world on Remembrance day in 2006.  As my children went from babies to toddlers, it was time to consider what I was going to do for work. Despite having worked 4 years in HR in the UK for one of the biggest auto companies in the world, it was not possible to get a job here doing the same role for another company because I had no formal education or certifications in human resources.  Don't get me started, because, in the end, it really was for the best. Even though, it's totally ridiculous because we all know that practical on the job experience is way more than valuable than anything we learn in a classroom. Anyway, moving on and let's fast forward.  I enrolled in an Interior Decorating course and after graduating with honours and with no previous experience whatsoever in the interior design field, I started my own business.  Let me tell you, I learned a lot about myself throughout the process of trying to figure out what the heck I was doing! And I had an urge to document and share things that weren't really being talked about when it came down to dealing with clients and how to run a business.  We often hear a lot of the ‘what you need to do' but very little about the ‘how to actually do it'.   That's when I took to video and to social media platforms to share with the world what I was learning and how I could help. Oooh, it was then that I knew I had found my calling.  I shared videos titled ‘THE NAKED TRUTH' on my Claire Jefford Consulting YouTube channels, showing actual costs of furnishing a space & revealing clients' costs for full room designs including fees for my services. I was determined to educate my clients and the world about the benefits of hiring a design professional, determined to overcome the ridiculous stories & unrealistic timelines portrayed by HGTV.  In private FB groups previous to starting my own, I would post videos showing my processes for organizing client folders, what my marketing strategies were for getting clients and much more.  It was then that I realized through the comments and private messages that so many designers were interested to SEE how I was doing things and what was working for my business. Gone are the days where we need to feel all alone when working as a business owner. Thank goodness we've come a long way since then my friends.  It was also then that I learned how much I loved teaching and how I knew there was the need for not only homeowners to see behind the scenes & better understand how design professionals do what we do, but that it was just as important for designers to learn in the same way –because in school we did not learn how to deal with client's, we weren't taught how to hire and handle the trades or even what services to offer in our business or how to bill for our time & so much more. While all of that was disappointing, frustrating and super scary, there was a relief in knowing that I was not alone. And neither are you.  In this podcast, we will get real. My guests and I will talk openly & honestly about the ups and downs in our journey as business owners in an industry that's ever-changing. If you are in my FB group you will be familiar with my weekly live WIDWIL videos or should I say ‘WIDWIL!!' What I did and what I learned.   You can expect a very similar flavour here on TNT.  Here you will hear us sharing real stories about what we did and what we learned.  All I ask is that you understand that the only way I am currently able to bring TNT to you without it being perfect and being overly time consuming (which is why I have been delaying it for all this time), is that it will be for the most part, uncut & unedited. What you hear is what you get. This is…THE NAKED TRUTH – TNT the podcast. Dynamite Claire-ity for your interior design business. Okay, are you ready? Let's do this!  Be sure to subscribe to the podcast, links are below.  Follow me on IG at @clairejefford and use #tntclairejefford to get updates on new shows, tag me when you are listening to the show, do a selfie so I can see you!  In the show notes, you'll always find links to everything we talk about by visiting my website…www.clairejefford.com/podcast    

Diva Tech Talk interviewed Teri Takai,  former CIO for the U.S. Department of Defense; former CIO for both the state of California and state of Michigan; and automotive industry technology executive.   Today, Teri is the Executive Director for The Center for Digital Government, a division of eRepublic. Teri’s parents grew up on the U.S. West Coast where “in World War II, Japanese-Americans were interned in (concentration) camps.” Her mother and father were fortunate. The University of Michigan entered the camps to help. “If you could get security clearance, you could (with $25 and one suitcase) take a train to Ann Arbor and get a job.” Wistfully, Teri said: “My dad wanted to be an aeronautical engineer. but didn’t feel that as a Japanese American, he could, so he decided to go into civil engineering.” However, the concentration camp, and move, disrupted his plan.  Instead, he became a draftsman in the automotive industry, working for small automotive suppliers.  “I wasn’t interested in technology, at first, but I was good at math. It was the problem-solving,” Teri said. Valedictorian of her high school, she matriculated at the University of Michigan as a math major.  A friend of her mother suggested she pursue computer programming. Teri devised an individualized curriculum of statistics, industrial engineering and more. Graduating with strong Fortran skills, she joined a  small division of Ford Motor Company, focused on tractors, and developed a fascination for “the way technology impacted the business.” This inspired her to go back to school for a Ford-financed MBA. Teri worked in engineering, manufacturing and traveled internationally, staying for a decade, and enjoying promotions, many of which involved people management.  Teri feels fortunate that, prior to “diversity” being acknowledged as integral to progressive workplaces, she had a Ford boss who supported her taking a formal leave of absence to move to Germany, along with her husband, who was transferred as an engineer --- before Ford had a formal policy for working spouses.  The leadership lesson Teri frequently shares is “what we need to do is follow our belief systems. Do what is right.” At the end of 10 years in the tractor division, Teri got the opportunity to move to the mainstream side of Ford, as part of a consulting team working to build Ford Latin America. This opened her eyes to how people, from different cultures, might view her, as a colleague/leader. Teri did that job for 5 years, and then moved to a Ford thinktank directed to meeting the competitive threat of GM’s innovative Saturn division.  “I am pretty good at getting things done.  I am not necessarily your leader for ‘big picture’ strategies. I am focused on how you organize, bring people together and deliver a product.”  As part of Ford’s software development, Teri worked on complex internal ERP and administration systems, a large supply chain initiative (CMMS), and then moved to the assembly division, managing plant floor systems. Then Ford gave her an overseas assignment, in the United Kingdom, where she led the development of a global purchasing system, which involved the expansion of a European-based purchasing system all over the world. Then Teri came back to the U.S. to Ford Credit, for a large system launch. Then she moved back into leading CMMS.  Teri completed her 30 year career at Ford involved in the acquisition of Land Rover, and Volvo, and then in strategic planning. “My time at Ford was about delivery.” Teri took a two-year position at EDS, because “I felt the wave of the future was not going to be big, internal IT organizations.” She learned the technology services business and had the chance to work directly with GM.  Soon she was approached to join Governor Jennifer Granholm’s Michigan cabinet. She became CIO and Director of the Michigan Department of Information Technology.  “The governor said to me, now is the time for giving back, for public service,” Teri said.  “I am forever grateful to her for that.” Teri inherited a single precedent-setting government organization that centralized all information technology staff for the state.  She and Governor Granholm were “great colleagues; I understood her strategic planning initiative, and what she wanted to do.” Teri came to a deep understanding about the collaborative nature of government, and how to effect lasting change.  She stayed for 5 years, then was approached by the State of California, which had been without a CIO for over 5 years. “Governor Schwarzenegger, at the time, had gotten advice, from tech companies, that California needed a CIO,” she said.  She became that CIO, and created the Office of the CIO from scratch, fully operational, in a 3-year timeframe, simultaneously with the state’s budget crisis. While the learning curve was challenging, Teri grew through it, and “a number of women reached out to me, there; influential women in Sacramento.”   Toward the end of three years in California, “a friend of mine had become President Obama’s Chief Information Officer. He called and asked me to interview for Chief Information Officer for the Department of Defense.”  Despite a lack of federal government experience, she was offered the job. “It was the hardest, most stressful, job I ever had. You have a role that is accountable to all men and women in uniform.  Everything thing DoD did, for security and protection, was based on technology.” She worked for four different Cabinet Secretaries for Defense in her 3-year tenure interacting with other members of the cabinet, and the Joint Chiefs of Staff (“amazing leaders”).   Having left the Federal Government, Teri is now leading the Center for Digital Government, a division of eRepublic. “The overall role is to link technology companies with state and local government.”  Teri personally guides key programs. “We do surveys, so cities, states and counties can compare themselves to each other, and get rankings/grades.  We share best practices and celebrate!” Teri also provides advisory services for technology companies, in government and works with cybersecurity start-ups, to bring tech to the market.   Teri strongly believes her unique background, and skills, emanate from both success and failures. “Sprinkled through the good stuff was a lot of learning, mistakes, and setbacks. I learned, later in life than I should have, the importance of collaboration. It takes time to understand how important all the different viewpoints are.” Teri defines ultimate happiness as “having a mission in life and giving back.” Her advice to other evolving women leaders is: “Be patient with yourself, as you are going through your career.”  Teri is proud that colleagues have called her “a survivor” because she learned from every obstacle. “Believe in yourself. Stay the course. Keep moving ahead.” And finally, “follow your intuition; do what feels right.” Make sure to check us out on online at www.divatechtalk.com, on Twitter @divatechtalks, and on Facebook at https://www.facebook.com/divatechtalk. And please listen to us on SoundCloud, Stitcher, or your favorite podcasting channel and provide an online review.

Der TRI Circuit ist die offizielle Triathlon-Breitensportserie der Schweiz! Sei dabei und teile mit uns deine Erlebnisse und Emotionen! 1 Serie, 11 Destinationen, 1000 Geschichten und das ist Dein Podcast dazu! Thomas Fehr von Ford Credit, einem der Official National Partner des TRI Circuits, ist heute zu Gast im TRI Circuit Podcast ! Thomas erzählt in den nächsten Minuten über seine bisherigen Triathlonerfahrungen, wie es zur Zusammenarbeit zwischen Ford Credit und TRI Circuit kam, das Ford Engagement im schweizer Triathlonsport, die Idee eine Kafimobils bei TRI Circuit Events, Fords Engagement uvm. Viel Spaß beim Anhören der heutigen Ausgabe des TRI Circuit Podcasts! Shownotes: Website von Ford Credit => https://www.de.ford.ch/ Website von TRI Circuit => https://www.tricircuit.ch/ Hier geht's zum TRI Circuit Podcast => https://www.tricircuit.ch/podcast/

Ford is one of the largest automakers in the world and is famous for its brands such as the Ford F-Series, Mustang, and many others.  It is the largest family owned business in the world and makes cars, trucks, and other vehicles.  Below are some notes from my analysis: Current share price in October 2018: around $9.20 per share Total shares outstanding as of 2Q 2018: 3,998,000,000 shares So total market cap right now is about $38 billion Expected earnings in 2018 to be $1.30-$1.50 per share, which is a P/E of 6-7x Cash net of debt (including marketable securities of Ford Motor Corp. but not of the credit business) is $9 billion. This equates to $2.25/share in cash, which is a decent amount.  Really though it is a negative cash position of -$115 billion when accounting for all short and long term debt on the balance sheet.  This is -$28.00/share in debt. The amount of net cash the company had in 1987, when Peter Lynch wrote about it, was $8.3 billion.  So the cash position has gone up and down over time, but is significantly lower now when accounting for all debt. Ford Credit earned $2,300,000,000 in pre-tax profit in 2017.  In 2018 it earned $1,286,000,000 in pre-tax profit in the first half of the year.  It looks like based on the most recent trends that it will earn around $2 billion for the whole year of 2018 (although sales of cars and trucks tend to slow down a little bit by the end of the year). If we do what Lynch did and analyze Ford Credit as a stand-alone financial company, we apply a 10x multiple to the earnings.  So, Ford Credit is worth around $20 billion.  Dividing this number by the shares outstanding, we see that the financial business of Ford is worth around $5.00/share. So, let's put this together.  Current share prices for the business is around $9.20.  The net cash position is worth nothing.  The financial business is worth around $5.00.  9.20 - 0 - 5.00 = 4.20.  This equates to the car business being available for purchase for $16.8 billion. Comparison point from the past, at the beginning of 1994: Ford had 464 MM shares outstanding (common stock). Only 940 MM in profit for 1993, so $2.02 per share. 1984: $2.9 billion in profit 1985: $2.5 billion in profit 1986: $3.2 billion in profit 1987: $4.6 billion in profit 1989: $5.3 billion in profit 1990: $0.8 billion in profit 1991: ($2.2 billion) loss 1992: ($7.3 billion) loss 1993: $2.5 billion in profit Income from the Financial Services segment steadily grew over time throughout this whole period - Ford increasingly financed a higher percentage of cars, even though the total number of cars sold fluctuated a lot. Share count has hovered at 3.9 billion over the past several years - no change expected but dilution will likely occur if Ford starts to burn a lot of cash Dividend has fluctuated a lot up and down over the past several years - this is the way Ford does things and is likely to continue.  A dividend cut is almost certain when the next recession strikes. In 1987 the business made $8.92/share assuming full dilution.  That year it traded between $28.50 and $56.37.  That is a P/E ratio of between 3 and 6.  The P/E is between 6 and 7 right now - so it is no unreasonable for the share price to drop in half from here if profits (and dividends as well) fall. Lesson: Peak Earnings Trap - the raw P/E number tells you the stock is cheap, but that may just mean that the business has reached a high point in the cycle with its earnings.  Wait until the earnings have collapsed and are starting to show signs of turning around.  This may make the P/E look artificially high, but really it is trading at a discount. Example: Large oil companies can be an example of this.  They usually trade around 10x but sometimes look like they are trading at 20x or 30x because oil prices suddenly collapse.

Diva Tech Talk interviewed Dr. Rita Barrios, Chair for the Department of CyberSecurity and Information Systems, and Associate Professor, at the University of Detroit, Mercy (http://www.udmercy.edu/) graduating approximately 150 trained technology professionals each year. Rita said: “My Dad was always my biggest supporter.” The 7th child of 8 siblings in her “very strict” family, Rita admitted that she was “a little on the geeky side” in her high school years.  She entered the Detroit College of Business, specializing in accounting, but dropped it in favor of a technology major. She got married, and gave birth to a daughter during her senior year of college.   Rita’s several internships during that senior year (when her daughter was 6 months old) were at the Grand Trunk Western Railroad (gtw.railfan.net/), a wholly owned subsidiary of the Canadian National Railway (https://www.cn.ca/).  After graduation, she became a full-time employee as a junior programmer.   Grand Trunk’s IT department was eventually bought by Compuware (www.compuware.com).  Rita was promoted from junior programmer to project manager (“a huge leap”).  Her first large challenge was a two-year international EDI (Electronic Data Interchange) project among three cross-border entities, automating the manifest for U.S. Customs to enable trains to cross borders without stopping. She credited her immediate management for empowering this next career phase. “Anything we needed, they made sure we had.”  The secret to the success of that project was digging into the details rather than becoming overwhelmed by the totality of the undertaking. “I took it a bite (byte) at a time!” Rita’s next step was as a Compuware contractor to Ford Credit (https://www.ford.com/finance) to maintain their legacy information systems, going from programmer to senior DBA.  Rita also obtained her Masters of Science in Information Systems, Software Assurance at the University of Detroit, Mercy; then later completed her PhD in information science, with a focus on security assurance and cybersecurity at Nova Southeastern University (http://www.nova.edu/).  “An opportunity came where I could move to academia,” Rita said.  “ That’s how I landed at Detroit, Mercy.” Additionally, she received certifications from Johns Hopkins Bloomberg University, School of Public Health in data specialization, and a certificate in criminal justice and law enforcement from the FBI Detroit Citizens Academy. A single mom for 14 years, Rita is justifiably proud of her two children. “I have a daughter, now working on her PhD in Material Engineering. And I have a son, going into digital media and graphics arts.”   Rita is also excited about her own cybersecurity field. “We teach is how to do investigations, how to do digital forensics/hacking. We partner with the Criminal Justice Program because you cannot have a crime without some digital piece to it, these days, and look at it from the criminal point of view. We also partner with the law school, talking about cyberlaw. “ Rita’s specialty has spun off into a side business. She runs an IT training and education consultancy, RitaBarr LLC (www.ritabarr.com) specializing in corporate IT training, and also partners with Mackinac Investigators on digital forensics investigations.   “At some point, I would like to grow the business.”  Ever-ambitious, Rita is also looking forward to moving to the “business side” of academia, at some point.   Along the way, Rita said that “I have always been the only female in the room.” As an example, “I presented research at the Department of Defense to a bunch of military people, who were all guys. Coming up through IT, I was the only female, but I have never felt like the only female. I was never discriminated against.”  This feeling changed though “when I went to the University.”  There she experienced “over-talking, interruption, all of it. I have been told by my colleagues that I better ‘know my place, young lady, ’ ” she lamented.  Rita recommended her approach to deal with this negative phenomenon. “I am very professional. I go into a very robotic mode, very stoic. I lay out the facts with no emotion. I plan to say.“ Rita’s focused leadership lessons/advice currently include: “Spend time to get to know people. Find out their strengths, and where they belong.” “Bring the best people around you; then get out of their way.” “If you think about it --- that the project’s too big --- you will not achieve what you want to achieve. So, whatever comes, just take it in.” “Stay flexible. There is nothing you can’t overcome; nothing is impossible.” And summing up: “There are no shortcuts.”  For Rita, success is always about hard work. For the full blog write up, make sure to check us out on online at www.divatechtalk.com, on Twitter @divatechtalks, and on Facebook at https://www.facebook.com/divatechtalk. Follow our show and tell us what you like with an online review.

Rick is CEO of Wellville, a 10-year initiative founded by angel investor Esther Dyson to improve health and financial outcomes in five U.S. communities. In addition to overseeing the national project, Rick leads the Wellville effort in North Hartford, CT, working with Community Solutions and a multi-sector collaborative focused on achieving the Neighborhood Triple Aim: improved population health, wellbeing, and investment. Rick is also founder & CEO of Collective Health, which developed the Health Impact Bond, a pay-for-success financing model that leverages future health care cost savings to generate upfront investment in prevention. Before turning entrepreneur, Rick spent nearly a decade at the health insurer Cigna, where he was Chief Strategy & Marketing Officer for the national employer segment and launched the company's Communities of Health venture. Prior to that, Rick was a corporate strategist at Ford Credit, Bank One and KPMG. Rick graduated from the University of Massachusetts, Amherst, and lives with his wife and two children in Simsbury, CT. Websites: Wellville.net, Collectivehealth.net Twitter: @WayToWellville, @collectivehlth Facebook: facebook.com/waytowellville To reach Rick: rick@hiccup.co; LinkedIn: linkedin.com/in/rrbrush 00:00 Rick gives an overview of what Wellville is. 02:00 How Esther Dyson and Rick started Wellville. 03:00 The way to Wellville. 03:30 The communities involved in Wellville. 05:40 How the communities involved with Wellville were chosen. 07:20 The true goal behind Wellville. 09:00 How our communities affect our health. 09:20 The Social Determinants of Health. 11:30 How social relationships are critical to the outcome of health. 13:30 Looking at patterns that might be typically neglected to find ways to impact health. 15:45 “Is there a better way to invest as a nation?” 17:20 “Demonstrating the business case for doing the right thing.” 19:30 “Context really matters.” 22:00 How Wellville is measuring success. 27:00 Challenging the notion of the tragedy of the commons. 32:00 Overcoming challenges and learning as you go. 33:00 You can find out more at wellville.net or on twitter @waytowellville.

-Originally aired on 05/23/2015- Episode 16 of "In The Oil Patch" This week on "In The Oil Patch": host Kym Bolado and her co-hosts Alvin Bailey and Roy Holley dive into the world of fleet management with Jay Gambrell, Commercial Business Development Manager for Ford Motor Company. The reason fleet management is an important subject to cover is because businesses in the oil & gas industry need a means to transport equipment, resources, workers and literally tons of things that normal automobiles would not have the capacity to handle in day-to-day operations. Jay takes us through the myriad reasons which make Ford and Ford Credit the standard in today's business fleets. On our "Ask The Expert" segment this week, Alvin Bailey (Kahlig Auto Group) asks pertinent questions about the oil and gas industry to our resident expert, Omar Garcia (STEER). Being an economic development expert in Texas, Omar gives us an outline of the impact the oil & gas industry has had on south Texas communities. Omar explains recent job creation including some recent history about how oil & gas has created over 155,000 jobs and has had an $87 billion impact in the region. With such exciting news to cover in this episode, we can't spoil it all here for you - you'll have to stream the whole episode to get all the details. "In The Oil Patch" is brought to you by SHALE Oil & Gas Business Magazine and proudly sponsored by the South Texas Energy & Economic Roundtable (STEER). Stay tuned for more great episodes every Saturday night at 10pm CST on KTSA 550am and 107.1fm! Photo credit: Ford Motors