Article: If you do not already have both a checking and a savings account, open one of each at a local bank or credit union. To choose a bank or credit union: Compare the interest rates and fees of all financial institutions between your residence and place of employment, or if you are unemployed, within 1015 miles (24.1km) of your home. Consider the various services each bank provides and the likelihood you will want or need each of them. A bank with many different services you will never use may not be the best choice for you. Talk to friends and family members about their banking institution. Find out if they are happy with the interest rate, minimum deposit requirements, fees, and service they receive, and if they would recommend that you use the same institution. Unlike a debit card that directly draws money from your bank account, a credit card allows you to borrow money and pay it over time. This is the easiest way to start rebuilding credit. A secured credit card involves giving the bank money (say $500), and then the bank gives you credit in that amount. Secured credit cards are typically offered through banks, although some credit card companies like Discover also offer secured credit cards. Start with around $500. As your credit improves, ask the bank if you can slowly start raising the limit. Be wary of anyone that asks you for outrageous start-up fees (some places try to charge up to $200) or for you to call a 1-900 number that will charge you money. Some lenders specifically seek out recently filed bankruptcies since they cannot seek court protection again for seven years. Don't open more than one or two accounts. Be sure to ask if your transactions will be reported to all three major credit bureaus. You want them to see that you're paying off your debts so your score can begin to improve. Know that some banks might force you to wait for a year after you've filed bankruptcy to get a secured card. If that's the case, focus on building up your savings in the meantime. Get a secured card at a bank you want to continue to use for awhile. You'll eventually want to ask if you can switch to an unsecured card with the same bank, so choose wisely. When you're back on track with a secured card, you can try applying for a retail or gas credit card. This is important to improving credit, because one aspect of your credit score is "types of credit in use." By using different types of credit, you improve your credit score. Keep these points in mind when you're looking into it: Make sure your transactions will be reported to all three credit bureaus. Remember, the point of all this is for them to see you being responsible with your money. Avoid huge start-up fees. Try to get a card at a store where you won't be tempted to go on a shopping spree. Gas cards are a good idea because gas is a necessary expense you won't be tempted to splurge on. Try to avoid department stores that might tempt you with expensive items that are out of your price range. Along with retail and gas cards (which are typically accessible to people with poor credit), eventually adding other types of credit can go a long way to improve your credit rating. These other types of credit include installment loans (like a line of credit, or car loan) or mortgages. If you do not already have loans in these categories, it is very wise to wait at least two years after bankruptcy to consider a car loan, mortgage, or line of credit. You might have heard that carrying a balance is great for your credit score, but that's not necessarily true. Especially if you have bad credit, the credit bureaus want to see that you're capable of paying off the balance as often as necessary. Keep in mind that 35 percent of your credit score is payment history, so paying bills on-time and in-full will quickly build your credit. As mentioned earlier, 35 percent of your credit score is payment history. Another 30 percent is amounts owed. This is calculated by looking at how much you owe relative to how much credit you have available. When you close accounts, your total credit limit decreases, which lowers your credit score. If you feel you can't control the urge to spend on a particular account, destroy your card. Remember, finance companies exist to make a profit. Instead of being swayed by debt consolidation offers, focus on maintaining your budget, putting money into savings, and slowly building up the limit on your secured card or retail card. If you've successfully managed a secured card for more than 12 months, consider asking your bank if you can switch over to an unsecured card. Most banks will agree to letting you have a low-limit unsecured card after 12 to 24 months. Keep the same mentality you had with the secured card. Avoid spending money you don't have on the unsecured card so that you can keep yourself from sliding into bankruptcy again.
Question: What is a summary of what this article is about?
Open a new checking and savings account. Get a secured credit card. Get a retail or gas credit card. Pay off your balance every month. Avoid closing accounts. Avoid finance companies. Ask when you can upgrade to an unsecured card.

This is a great, soft way to get the comfort of a hug without another person. If you don't have a pillow nearby, you can hug anything like a blanket, a jacket, a backpack, or any other object with a soft texture. If the object doesn't belong to you, you should either ask for permission to hug it, wait until no one is looking, or find something else. If someone finds you hugging their backpack, they might be a bit confused or even annoyed. There is nothing more comforting than getting a furry hug from a dog or a cat. It's best to hug your own pet. If you don't have a pet, you can certainly hug someone else's, but again you should ask the owner for permission first. If you don't have access to any animals, invest in a great stuffed animal. Petting an animal can help you relax by lowering your blood pressure and decreasing stress hormones. Make sure it's a friendly animal. Just because it's fuzzy doesn't mean it's nice! You don't want to get bitten. There is nothing like getting outside and getting some love from nature. If you're down in the dumps, venture outside and find a nice sunny patch of grass to relax on. Stretch your arms wide and imagine hugging all of Mother Nature. Close your eyes, take a deep breath, and feel the earth hugging you back. Spending time in the sun can help improve mood, so this works best when the weather is nice. Just wear sunscreen! If the weather is bad, sit by a window and appreciate whatever weather you do have. Admire the beauty of the rain, the power of the thunder, or the calmness of the snow. Hug yourself or something soft while you take in the great outdoors. Post a status on Facebook that you need a hug, and you'll be sure to get some, "Sending hugs!" comments. Simply knowing that others love you is sometimes all it takes to get the relief of a hug. You can also call, text, or FaceTime someone that you love, like a friend or a family member. While virtual hugs are not exactly the same thing as physical hugs, you can get some of those good vibes from an encouraging conversation.
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One-sentence summary --
Hug a pillow. Cuddle with an animal. Hug nature. Find virtual or long-distance hugging partners.