Monday, June 01, 2020

Sell Cars from Your Home Working for the Honest Car Dealer

If you know me and my company, Earl Stewart Toyota of North Palm Beach, you’re aware that my car dealership is unique in its honesty and transparency. You may know that my dealership won the Palm Beach Post award for the Best Car Dealership in Palm Beach County for 2019 and 2020 (the only 2 years the vote was taken). You know that I’m not only a car dealer, but a consumer advocate that advises thousands of people on “how not to get ripped off by car dealers. My wife, Nancy, and my son, Stu, broadcast a weekly live talk radio (WSVU) show, EarlOnCars, advising listeners how to buy, lease, repair and maintain their cars. I write newspaper columns for the Florida Weekly and Hometown News and I write a blog,

Earl Stewart Toyota is the only car dealership that gives its customers, up front, the lowest, out-the-door price on every new and used car we sell. We add NOTHING to the quoted or advertised price…no hidden fees or dealer-installed accessories. Our price on every car is the price you can write us the check for and drive your car home. We encourage our customers to take our best price and compare it with our competition. If you can find a better deal, we want you to take advantage. If you would rather buy from another Toyota dealer because he’s much closer, you can have my best price and ask him to meet it or beat it.

We offer an UNCONDITIONAL, 7-day, moneyback guarantee on every new and used car we sell. A lawyer will tell you that this is a dangerous thing for me to offer, because it means that you can get all your money back for any reason, like you “wrecked the car”, drove it thousands of miles and got tired of it, or just found another dealer that would sell the same car for less money.

For years we’ve offered online, Amazon style click and buy. We also deliver to your home free, anywhere in Florida. We’ll appraise your trade-in and handle your financing without you ever having to talk to a salesman or come into the dealership, and then deliver your purchase and pick up your trade-in.

If you’ve read this far, you’re probably very skeptical of my claims. You should be, because there’s not another car dealership anywhere that does what we do. Google “Earl Stewart” and “Earl Stewart Toyota”. Check me out carefully and please talk to anybody that’s done business with me…I have lots of customers because I’ve been selling cars from the same location in North Palm Beach for 47 years. If you investigate me thoroughly, you’ll find many more reasons most used car and new Toyota buyers would choose to buy from me…I give my personal cell phone number to every customer because, if they have a problem, “the buck stops here”. I have 5 red phones in my dealership everywhere our customers are, new car showroom, used car showroom, service cashier, service aisle, and body shop. Pick up the red phone and it automatically rings my personal cell phone, 24/7.

Most importantly, this dealership is guided by a unique code of conduct we have named The Earl Stewart Code - see it here: This is our DNA and it gives our team the ethical foundation from which we conduct business. The Earl Stewart Code has been adopted by several other businesses locally and around the country.

Remember that the purpose of this article is not to sell you a car; although I must admit I wouldn’t refuse. 😊 My purpose is to build a statewide salesforce of folks working out of their homes. Toyota is the most popular new car brand, but sells only 15% of the market; however, almost everyone is a prospect for a used vehicle. The terrible Coronavirus pandemic has changed our World and more and more people are finding out that they like working from their homes. We’re learning that people can be more productive and efficient working from home and save the commute time and expense. If you are one of those, I’d like to talk to you.

I’ll bet you know a lot of people that would consider buying a new Toyota or reliable used car of any make. If you represented Earl Stewart Toyota and could promise them a totally honest, transparent, and hassle-free buying experience, I think you could be very successful. For most people (probably including you), buying a car is an unpleasant experience. For 43 years the Gallup Company has polled Americans who have ranked car salesmen last, or nearly last, in their annual Honesty and Ethics in Professions poll. Click on this link and see for yourself.

How much you earn is directly related to how many people you can talk to, your natural selling talent, and how much time you can put in. You’ll be paid $200 for every car we sell from the prospects you give us. I think you’ll agree that you can offer the prospective customers you speak to a far superior car buying experience than they can find anyplace else.

If you’re interested, go to my website, , scroll down to "Work-from-home Sales Broker" and fill out the application. Remember that we’re not looking for experienced car salespeople…too many bad habits. We’re looking for people who understand why most people hate the car-buying experience and why they would appreciate the suggestion of a pleasurable way to buy a new or used car. When you find those people, put them in contact with us. If they buy from us, we’ll send you a check for $200. Historically, 30% to 40% of prospective customers we meet, buy from us. Using social media and your telephone, I think you can generate a lot of prospective customers. Feel free to call me personally, if you have any questions…my personal cell phone is 561 358-1474. (Have you ever known the owner of a large car dealership that would give his personal cell phone number out?)

Monday, May 25, 2020


Dear fellow Florida car dealer, I started in the retail auto business in 1968, about 52 years ago, and I have seen a lot of changes in the way we dealers sell cars and the expectations of our customers. My remarks in this column are made sincerely and with a positive intent toward you and your customers. I’m not trying to tell you how to run your business; I’m suggesting a change that will reward both you and your customers.

Virtually every car dealer in Florida adds a multiple, hidden charges to the price of the cars he sells, variously referred to as a “dealer fee”, “doc fee”, “dealer prep fee”, “tag agency fee”, “electronic filing fee”, dealer services fee”, etc.. This extra charge is printed on your buyer’s orders and is programmed into your computers. It has been regulated and minimized in many states including California. Florida has virtually no regulation and no regulation that is enforced. You charge these hidden fees to every customer and it ranges from a few hundred dollars tothousands. Florida law requires that you disclose in writing on the vehicle buyer’s order that these charges represent profit to the dealer. Florida law also requires that you include these fees in all advertised prices. You almost never do this, and another way that you get around the law by limiting the number of advertised vehicles (typically one).

The argument that I hear from most car dealers when I raise this issue is that the hidden fees are fully disclosed to the buyer on the vehicle buyer’s order. But most car buyers are totally unaware that they are paying this. Usually they negotiate the car purchase on your “worksheet” which is not a legal document. The legal buyer’s order is only “revealed” in the finance office when it’s spit out of the computer with dozens of other documents the buyer must sign. Who reads all the voluminous paperwork associated with buying a car? The few who notice it assume it’s an “official” fee like state sales tax or license and registration fee. Those few astute buyers who do question the fee are often told that your dealership must charge this fee on very car, which is untrue. These astute buyers are also told that all other car dealers charge similar fees. This is almost true, but, as you know, my dealership does not.

The reason you charge this fee is simply to increase the price of the car and your profit in such a manner that it’shidden from your customer. This is just plain wrong. Dealers will admit this to me in private conversations and some will admit that they have considered eliminating the fee as I did but are afraid of the drastic negative impact to their bottom line. By being able to count on an extra $500 to $3,000 in profit that the customer is not aware of or believes is an “official fee”, you can advertise and quote prices below cost and end up making a big profit. Or, if the price you quote the customer does pay you a nice profit, you can increase that profit by several hundred or thousands of dollars.

This “extra, unseen” profit is even better for you, because you don’t pay your salesmen a commission on it. That’s being unfair to your employees as well as your customers. When the rare, astute buyer objects to the hidden fees, the you can simply decrease the quoted price of the car by the amount of the hidden fees. This would have the same net effect of removing it. The salesman won’t do this because he’ll lose his commission (typically 25%) on the decrease in his commissionable gross profit.

If you don’t know me, I should tell you that I don’t profess to be some “holier than thou” car dealer who was always perfect. Although, I never did anything illegal, when I look at some of my advertising and sales tactics 30+ years ago, I’m not always proud. But I have evolved as my customers have evolved. My customers’ expectations, level of education, and sophistication are much higher today. Your customers are no different. As I began treating my customers, and employees, better I discovered that they began treating me better. Yes, I used to charge a dealer fee ($495), and when I stopped charging it many years ago, it was scary. But I did it because I could no longer, in good conscious, mislead my customers. Just because everybody else was doing the same thing did not make it right.

Now here’s the good news. My profit per car did drop by about the amount of the dealer fee when I stopped charging it. But when my customers realized that I was now giving them a fair shake and quoting the completeout-the-door price with no “surprises” the word spread. My volume began to rise rapidly. Sure, I was making hundreds of dollars less per car, but I was selling a lot more cars! I was, and I am, selling a lot of your former customers. My bottom line is far better than it was when I was charging a dealer fee. You can do the same!

Why am I writing this letter? I’m not going to tell you that I think of myself as the new Marshal that has come to “clean up Dodge”. In fact, I understand this letter is to some extent self-serving. Lots of people will read this letter to you and learn why they should buy a car from me, not you. And, I’m also aware that most dealers who read this will either get angry and ignore it or not have the courage to follow my lead. But maybe you will be the exception. If you have any interest in following my lead, call me anytime. I don’t have a secretary and I don’t screen any of my phone calls. I would love to chat with you about this. My personal cell phone number is 561 358-1474.


Earl Stewart

Monday, May 18, 2020

Why Do Car Dealers Lie about their Prices?

You probably already know that you can’t buy a new or used car for the advertised price; the out-the-door price always ends up thousands of dollars higher. Car dealers are the only retailers that routinely trick their customers like this, at least to the degree that car prices are understated.

Have you ever wondered why virtually all car dealers do this? Imagine that you owned a Ford, Honda, Chevrolet, or Toyota dealership in Southeast Florida. Each of these car brands has as many as 20 dealers and no fewer than 12 selling the IDENTICAL product. Toyota has 19 car dealerships between Ft. Pierce and Key West. Every Toyota dealer pays Toyota the exact same price for their cars; but Toyota dealers don’t sell those cars to their customers for the exact same price. They mark up each car as much as they can…the highest price that the customer will pay. If a Honda dealer sells 25 identical Honda Accords in a given month, the likelihood is that each sold for a different price; the typical variation in profits on the identical vehicle can range from a few hundred to a few thousand dollars.

Let’s say you owned a Honda dealership. The Honda manufacturer gives you a quota…a minimum number of Hondas you must sell monthly and annually to fulfill your contract allowing you to sell Hondas and often to receive volume cash bonuses. The only way you can do this is to price your Hondas “competitively”. But, you also must maintain a high enough markup on each Honda, so that your dealership remains profitable. This is the “Catch 22” and dilemma of all car dealers. A South Florida Honda dealer has EIGHTEEN other Honda dealers advertising the same cars he sells. If you advertise a Honda Accord for a higher price than most other Honda dealers, you won’t sell enough to meet your quota; if you advertise that Honda Accord for a lower price you’ll sell lots of Accords, but you’ll lose money on every car.

Therefore, all Honda dealers and all car dealers of all makes see only one viable course of action. Advertise their cars at a very low price, lower than their competition (and lower than they can or will sell the car for), so that the customers will come in to buy. Once the customer is in the dealership, the “games begin” to raise the advertised price to a price as profitable to the dealer as he can negotiate. The tools the dealers use to accomplish this are many…hidden profits (aka dealer fees) disguised as government fees, dealer pre-installed accessories, and switching the customer to a different vehicle or a lease rather than a purchase.

Car dealers see themselves as having no choice but to sell cars this way if they’re to remain in business. They blame their actions on the auto franchise system and there is some truth to this. Apple sells you iPhones directly, but Toyota cannot sell you a Toyota directly; car manufacturers MUST sell through their dealers. This system is mandated and entrenched by state law in all 50 states. The manufacturers created the dealer franchise system in the early twentieth century because they couldn’t sell their cars fast enough directly. Once a critical mass of dealers was created by the auto manufacturers, the dealers organized and lobbied their state legislatures to created laws protecting their franchises from the manufacturers. The main reason they did this was because the manufacturers were granting franchise agreements to too many dealers…” over-dealering”. Too many car dealers selling the same car in a market creates too much competition because it drives the prices down. Unfortunately for the dealers, there were (and are) already too many. Today, car dealers are overprotected, enjoying exclusive markets with state laws making it almost impossible to control, much less, eliminate even the most “problem” car dealers.

The auto franchise system is over 100 years old and obsolete, but it’s entrenched and will remain for the foreseeable future. New vehicles will, one day, be sold online directly by the manufacturers and maybe even through Amazon or Walmart. Vehicles will be built to order and delivered within a week. The price you see will be the price you pay, and you will be able to return the car for a full cash refund if you change your mind. Service, maintenance, and repairs on modern vehicles is minimal. Separate service centers will still exist to handle this need. Service centers will also have new vehicles of each model for you to inspect and test drive. Tesla is doing today exactly what I described, except for the one-week delivery time and unconditional moneyback guarantee.

But there’s a larger reason why car dealers get away with their deceptions. That is “because they can”. Auto manufacturers realize they’re stuck with the dealer franchise system and “if you can’t beat ‘em, join ‘em”. Auto manufacturers have huge political lobbying clout and, when you add the car dealers and their associations’ money, state and federal politicians have no choice but to “play ball”. There are about 17,000 franchised car dealers. They have enormous lobbying power nationally through NADA, the National Auto Dealers Association, and they also have enormous lobbying power in all 50 state legislatures. The political donations that Big Auto and Car Dealers give politicians make the NRA look small by comparison.

Monday, May 11, 2020


Attorney General Moody, as the top-ranking law enforcement officer of Florida, I ask you to investigate a sampling of new vehicle advertisements by Florida car dealers. These are readily available to you in Tallahassee, online from your home and office PC and your smart phone.

If your investigator indicates an interest in buying one of these advertised cars from that car dealer, they will discover that they cannot buy it at the advertised price “including all fees or charges that the customer must pay” according to Florida statute 501.976*.
You may have heard of me. I’ve been a car dealer in Florida for over 50 years. In those latter years I’ve evolved into a consumer advocate helping car buyers from being taken advantage of by car dealers. I’ve been doing a weekly radio show on this subject for 17+ years. Each week we mystery shop a South Florida car dealer. is the link to my archives of these reports. Our typical report involves responding to an online, TV, direct mail, or newspaper advertisement. We send a mystery shopper in who pretends to want to buy the advertised vehicle at the advertised price. In virtually all mystery shops (over 600), there are additional, hidden charges, including “non-governmental” fees, added to the advertised price. As an attorney and Florida’s top law enforcement officer, you should appreciate the fact that I’ve never been sued by a car dealer based on charges I’ve made regarding his violation the Florida Unfair and Deceptive Trade Practices Act and I’ve made hundreds of such charges. As an attorney, you know that the perfect defense against libel and slander is the truth.

When I raised this issue with your AG predecessors, Bill McCollum and Pam Bondi, I was told that the AG’s office didn’t have a significant number of complaints from Florida car buyers on this issue. I believe the reason that Florida car dealers have been violating this law for so long is because the law has never been enforced, and that car buyers have become “accustomed to being deceived”. They may not know about the law. They may think that filing a complaint is not worth the effort because 99% of all car dealers are adding hidden fees to the advertised price, and car buyers consider it the norm.

Floridians spend more money on automobiles than anything except housing, and they need your protection from being over charged millions of dollars annually by hidden charges violating Florida Statute 501.976.

* Florida Statutes




501.976 Actionable, unfair, or deceptive acts or practices. —It is an unfair or deceptive act or practice, actionable under the Florida Deceptive and Unfair Trade Practices Act, for a dealer to:

(16) Advertise the price of a vehicle unless the vehicle is identified by year, make, model, and a commonly accepted trade, brand, or style name. The advertised price must include all fees or charges that the customer must pay, including freight or destination charge, dealer preparation charge, and charges for undercoating or rustproofing. State and local taxes, tags, registration fees, and title fees, unless otherwise required by local law or standard, need not be disclosed in the advertisement. When two or more dealers advertise jointly, with or without participation of the franchisor, the advertised price need not include fees and charges that are variable among the individual dealers cooperating in the advertisement, but the nature of all charges that are not included in the advertised price must be disclosed in the advertisement.

(17) Charge a customer for any predelivery service required by the manufacturer, distributor, or importer for which the dealer is reimbursed by the manufacturer, distributor, or importer.

(18) Charge a customer for any predelivery service without having printed on all documents that include a line item for predelivery service the following disclosure: “This charge represents costs and profit to the dealer for items such as inspecting, cleaning, and adjusting vehicles, and preparing documents related to the sale.”

Monday, May 04, 2020

Your Car’s Interior Can be as Coronavirus Resistant as the Cabin Interiors of Billionaires’ Private Jets

Warren Buffet sold all his commercial airline stock, more than $4 Billion, in reaction to the
Coronavirus pandemic. He sold none of his NetJets stock, the private jet company he controls

You probably know that the commercial airline business is in serious financial trouble, and many airlines are seeking government assistance to avoid bankruptcy or worse. People are afraid to fly for fear of contracting the Coronavirus. There isn’t the same fear when flying private aviation. NetJets, Wheels Up, Delta Private Jets, JetSuite and most other private aviation aren’t affected. Of course, one reason is that there are fewer people with less close contact in private jets.

Another reason I believe, is a biostatic agent, ClearCabin Barrier powered by PreventX, being used by almost all private jets to treat their cabins’ interiors. This product is sprayed on all exposed surfaces inside the airplane and is effective for at least 90 days. It dries quickly in 15-30 minutes, and isn’t harmful to leather, cloth, vinyl, or any other surface. It’s like a “ceramic coating” that kills viruses on contact and protects surfaces from being re-infected after it’s applied. Because ClearCabin is not a disinfectant, the airplanes are treated first with a good disinfectant; the ClearCabin is then applied to keep the plane virus free for at least 90 days.

I’ve researched this product and found that it’s widely used in hospitals, cancer/bone marrow and transplant wings. Professional sports uses ClearCabin in their locker rooms including the Miami Heat, Washington Redskins, Orlando Magic, Detroit Lions, and Minnesota Vikings. This germ virus inhibitor is even applied to products like New Balance shoes, Dr. Scholl’s inserts, Burlington socks, Wilson sporting goods, and Brillo Scrubbing Pads.

I’m so impressed with this product that I recently purchased some from The Leather Institute in Shrewsbury, New Jersey. I called them when I got an email from the CEO of Wheels Up (private aviation fractional ownership), Kenny Dichter, announcing that all Wheels Up airplanes were treated with ClearCabin. If you’re interested in this product you can contact The Leather Institute and they can direct you to a location near you that sells the product and/or can treat the interior of your car.

My Toyota dealership has just begun to use ClearCabin. We will first disinfect our vehicles with a certified disinfectant like Clorox or Lysol and then treat them with ClearCabin Barrier. This protects the car’s interior for at least 90 days even if a cough or a sneeze should temporarily re-infect a surface.

Unfortunately, at this time, there’s no product anyone knows of that will guarantee against contracting the Coronavirus. But I believe this two-step process of disinfecting the interior of your car and following up immediately with the application of ClearCabin is the very safest you can make the interior of your vehicle.

Tuesday, April 28, 2020

A Tool to Help You Get the Out-The-Door Price from a Car Dealer

This same column ran a few months ago before the Coronavirus pandemic struck the world. I’m rerunning it now because car dealers are so desperate to sell cars that they’ve pulled out all the stops with respect to trickery and deception. This is arguably the best way to get an honest, low, bottom-line price on a new or used car.

Below, you’ll find a link to a form that was created based on a discussion with Nancy Stewart, my co-host on our radio show, “Earl Stewart on Cars”. This radio show runs every Saturday morning 8-10. You can stream it at It’s also available at

The next time you purchase a vehicle, insist that the price quoted to you by the salesman be certified by the signature of a manager of the dealership; or, if you are responding to advertisement, be sure that the advertised price is so certified.

Most of the skullduggery by car dealers comes from two sources, hidden fees added after the price is advertised or quoted and dealer installed accessories that are pre-installed on the vehicles, but not included in the advertised or quoted prices.

You can even use this form when you shop by phone or online. Fax or scan and email the form to the car salesman and insist that he sign it and fax or email it back.

This form is available for download at or you can just click this link

You may even be thinking, what if the car salesman refused to sign this document? My answer is simple…LEAVE!

Monday, April 27, 2020

Hidden Charges in the Service Department

The last time you paid your bill for your car’s maintenance or repair, there was there was an extra, probably unnoticed charge at the bottom of the service invoice. This extra charge was not for the parts or labor performed on your car. If you noticed it at all, it was hidden at the bottom of the invoice near the line for sales tax.

This service charge is the “little brother” of the infamous Dealer Fee, the hidden PRICE INCREASE which is added to the bottom of the bill of sale when you buy a car. Just like the dealer fee, this service charge is not really a fee at all; rather, it's pure profit to the dealership or independent service facility. Just like the dealer fee, it too goes by many different names: "Sundry Supplies Fee", "Miscellaneous Fee", "Hazardous Waste Disposal Fee", "Waste Oil Disposal Fee", “Environmental Impact Fee”, etc. The “Waste Oil Disposal Fee” is particularly deceptive and dishonest because car dealers sell their waste oil to refiners for a tidy profit. Unfortunately, charging any arbitrary extra amount onto the price of auto service is completely legal in Florida! There is also no law requiring consistency in naming this extra charge or even in limiting the amount of that charge. If a car dealer wanted to name the fee CAR DEALER’S RETIREMENT FUND, it would be legal (and a lot more honest than Environmental Impact Fee).

The size of this bogus fee is calculated as a percentage of the total legitimate parts and service charge you incurred and varies from as little as 5% to 10% and higher. Typically, there is a self-imposed “cap” on this phony charge so that you don’t notice it when you pay your bill at the cashier. Caps also vary from about $25 to $50. Remember that most people service their cars about every 6 months or 5,000 miles and keep their cars 6.5 years. If your average “hidden charge for service” was $15, over the course of ownership you would pay $195 for work that was never performed on your car! The average dealer fee in Florida is over $1,000, but a car dealer makes his money on the bogus service charge with volume. A car dealer may sell a few cars each day, but he or she may service dozens. Therefore, a car dealer “steals” far more money from his service customer than he does his car buying customers.

Auto service companies and car dealers know that this is wrong and expect some of their customers (those that are alert enough to catch it) to react angrily. Calls from these customers are what inspired me to write this column. One caller that was a regular reader of my column and called me to ask what the “sundry supply fee” for about $30 at the bottom of his service invoice at Sunrise Ford in Fort Pierce was. I explained it to him. By reacting angrily and threatening to take his service business elsewhere, he was able to have his $30 refunded.

This is my recommendation to you: always inspect the service invoice before you pay. If there is any charge on the invoice that you cannot recognize, ask for a complete explanation. The explanation you are likely to hear is that these are for “miscellaneous” supplies and costs the dealer incurs in repairing the average car, probably not yours. They will talk about nuts and bolts, screws, fasteners, grease solvent, and maybe even “soap to wash the mechanic’s hands”. Of course, these are just normal overhead costs of doing business. They might just as well be charging you for their power and water bill or salary to their mechanics. You tell them that their costs of doing business should have been included in the price you were quoted for the labor and parts on your repair order, not sneakily tacked onto the bottom of the invoice when you were paying the cashier.