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Raymond Palacios:President of Bravo Chevrolet Cadillac Dealershipsin El Paso and Las Cruces. These communitieshave been a true blessing for meand my family.”Palacios was recently appointed toserve on the board of the Texas Departmentof Motor Vehicles. His goal is tohelp to ensure that the Texas Departmentof Motor Vehicles provides necessary servicesto the citizens of Texas in the mostproductive and efficient ways possible.“I believe it is our duty as boardmembers to review practices within eachdepartment of the DMV,” said Palacios.“We need to ensure that these practicesdo not unnecessarily hinder commerce.Instead, our focus should be on facilitatingcommerce and growth for Texas.”After visiting downtown Houston andseeing the countless business peoplein suits and ties, a 15-year-old RaymondPalacios, Jr. knew he wanted toattend college and become successful.Today, he is President of Bravo ChevroletCadillac dealerships in El Paso and inLas Cruces, employing more than 150people. Through this leadership, he worksto improve the quality of the lives of hisemployees and their families. To Palacios,that is the very definition of success.“Success isn’t just about one person; it’sabout everybody,” said Palacios. “If youcan’t bring anybody up, then to me, youhaven’t been a success.”Palacios earned a degree in accountingfrom the University of Houston andfirst worked as an auditor for a nationalaccounting firm, before joining PerryHomes, a Houston-based homebuilderand land developer, where he worked for10 years as a CPA and financial officer. Inthat time, he had become vice president ofthe company, but Palacios felt that it wastime to venture out and run his own businessin the automobile industry. The ideawas something he first thought about asa college student.“Back then, one of my jobs was workingthe grave yard shift as a security guard ina large car dealership in Houston,” saidPalacios. “I remember walking aroundthe lot thinking about how cool it wouldbe to own a dealership.”In the mid-90s, Palacios entered theGeneral Motor’s dealer developmentprogram, which eventually led him toEl Paso and Las Cruces, New Mexico.He worked as a car salesman, used carmanager and eventually general managerof a dealership.Palacios left Houston in 2000 to ownand operate a Cadillac Oldsmobile dealershipin El Paso.“Houston was home for me and myfamily,” said Palacios. “We never imaginedthat we would leave; however, as itturns out, our greatest opportunities werePalacios is a past district director of theTexas Automotive Dealers Association.He has also served as past president ofthe El Paso New Car Dealers Association,past vice chair of General Motors’Minority Dealer Advisory Council, anda past member of the National ChevroletDealer Advisory Council and the HummerDealer Advisory Council.In regards to his membership in TADA,Palacios says, “We are fortunate to havevery dedicated and competent TADAdealers in leadership positions and staffmembers who work tirelessly and fightfor the interests of its members. TADAis not only a voice of franchised dealers,but is a strong and effective advocate forour industry.”Palacios and his wife Kathy have twosons in college — one at Oberlin College inOhio and one at Northwestern Universityin New York. 30
HOW DEALERS TAKE CONTROLOwn your own program.If you want control, you need to own your ownprogram -100%. True control means 100% ownership,not some is theirs and some is yours.You know this.Portfolio delivers this to you. By setting you up ina company that you own 100%, we enable you tocontrol your destiny- both as a dealership owner, andas a human being with personal goals. Like takingcare of your family’s future. Like creating a very profitablepersonal wealth asset outside your dealershipthat no one can take from you.It’s about your future.With Portfolio you own 100% of the underwritingprofits and investment income from selling anddelivering on the promises of Vehicle ServiceContracts and any other F&I products that helpyour customers protect their vehicles. Yourcustomers expect this protection, and youneed to control the means to provide it.QUESTION:ANSWER:Did you ever ask yourself whyall these outside companieswant your F&I business undertheir control?There’s good money on the tablethat’s got to go to someone.100% OWNERSHIPEQUALS TRUE CONTROL.Create even more personal wealth by earningthe underwriting profits and investment incomefrom even more F&I products:• Dealer CPO and limited warranties• GAP insurance• Customized Maintenance programs• Appearance Protection products• Tire and Wheel products• Anti-Theft and Key Replacment products• and more...Take advantage of our income developmentand training programs that make your dealershipsuccessful on both the front end and theback end.To take control of your future, contact Michael Hall.office [405] 285.5988 mobile [214] 578.8541Profit Concepts is a full-service F&I agency serving dealersthroughout the Southwest since 1990.www.Profit-Concepts.com
Page 6 and 7: ARE YOU READY FORTAX SEASON SALES?S
Page 9 and 10: From global resourcesthrough local
Page 11 and 12: 2012 SPRING 11
Page 13 and 14: TADA Regions and Districts NORTHEAS
Page 16 and 17: An Interview WithChairman of the Bo
Page 19 and 20: Advertising OpportunityTADA Annual2
Page 21: 2012 SPRING 21
Page 24 and 25: COUNSELOR’S CORNERCase Law Update
Page 26 and 27: © 2012 Texas Mutual Insurance Comp
Page 28 and 29: “My focus is running mydealership
Page 33 and 34: of local economies throughout Texas
Page 36 and 37: Texas Economy — continued from pa
Page 38 and 39: Texas Economy — continued from pa
Page 40 and 41: More About AdverseAction Requiremen
Page 42 and 43: TADA Advertiser Index Spring 2012At
Page 44: Texas Automobile Dealers Associatio

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