TOEIC® listening part IV, set 2, exercise 1-3

[Boyeooe1218]

Our challenge will be finding creative ways to remain well-positioned in a bear economy, and planning for flexibility to meet our goals without compromising the quality of our product.

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Well come on down to Hawkins, where you can buy a new or used vehicle for just $30 down. You heard right: Not $3,000, not $300, just $30 down lets you drive off the lot in your very own vehicle. We have hundreds of new and used compacts, sedans, SUVs or pick-ups to choose from, and a variety of financing options to meet your needs even if your credit's not too hot.
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My wife, Sarah, worked many years for Lehman and Sons before taking time off to have children.

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what do they mean?

Thanks in advance

[Mister Micawber]

well-positioned in a bear economy -- having the appropriate investment portfolio for a sluggish economy and faltering stock prices.
$30 down -- $30 down payment, an initial payment on a purchase.
very own -- own ('very' is an intensifier)
credit's not too hot -- credit rating is poor
taking time off -- taking a vacation from work
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Native English teacher at Mister Micawber's