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If you need a car and have had credit problems or have an extremely low credit score, BHPH financing is available for you. However, due to the high rates you should consider this only as a last resort. There are some franchised dealerships, particularly Ford and Chevy dealerships, who are willing to work with customers who have bad credit. It may be possible for you to get a loan there. It wouldn't be the best rates, but it you would still pay less than you would at a BHPH lot. If you have a relative with a good credit score, you might find out if they are willing to co-sign on the loan with you. That could get you a better rate or make traditional lenders more willing to work with you. This option can be especially valuable if you're young and don't have much, if any, credit history. Because BHPH lots finance the car themselves, they don't always report to credit bureaus. If you have bad credit or no credit, you want the payments you make for your car reported so you can start to rebuild your credit. You may have to visit several lots before you find one that reports to credit bureaus, but be persistent. Any car you buy from a BHPH lot typically is sold "as is." Some of these cars may have mechanical problems, and the lot may not be required to disclose those problems before you buy the car. Demand a Carfax or similar car history report so you can see how many owners the car has had and whether it's been in an accident. These lots typically have older cars, so they've likely had several owners but a car that's changed hands several times in the past few years may be a red flag. Take the car to a reputable mechanic before you buy it and have them conduct a thorough inspection. If there are any major repairs that need to be made, you may be able to convince the lot to make those repairs before you purchase the car. BHPH dealers often present the price of a car and the financing terms as though they are non-negotiable, but that's typically not true. Even though you may not be in the best bargaining position, you can still try to get a better deal. The more of a down payment you can make, the better your terms typically will be. These lots often specialize in low down payments, but that doesn't mean you can't pay more. If you're buying a car at a BHPH lot, your down payment should be as high as possible to keep you from ending up underwater try to aim for somewhere between 40 and 60 percent down. You typically won't have to make payments for a long term, but it's essential to make every payment on time if you want to rebuild your credit. Some BHPH lots will repossess a car after as few as one missed payment. Some BHPH lots require you to make a trip to the lot with your payment. Depending on how the financing is structured, you may be required to make weekly or bi-monthly payments. If you have a checking account and the lot offers automatic payments, sign up for them so you won't have to worry about it. At most BHPH lots, you won't pay any less if you pay the loan off early. Ask about this when you buy the car. If the lot is reporting to the credit bureau and you won't save any money by paying the loan off early, just keep making the payments on time. All those payments will reflect well on your credit score.

summary: Exhaust all other options. Ask if the dealer reports to credit bureaus. Research the car thoroughly. Negotiate with the dealer. Make your payments on time.

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In the immediate aftermath of receiving bad news, you may find it difficult to breathe. You may feel tightness in your chest, a pit in your stomach, or feel like you can't catch your breath. Focus on your breathing and breathe deeply. When people are stressed out, they often hyperventilate. Spend some time focusing on breathing into your belly (rather than your chest), inhaling through your nose, in order to reset your breathing. Hyperventilating and breathing through your mouth (as you may do when you are stressed out) can lead to a dry mouth and thirst. You may be crying a lot, depending on the nature of the bad news, which can dehydrate you. You may also be too distracted to feel your body's normal cues. Keep this in mind and remember to stay hydrated. You may want to carry a bottle of water around with you to help you to remember to drink. As the saying goes, "Everything looks better in the morning." You may be better able to process the news and figure out your next steps following some sleep. Sleep aids in regulation of emotions. Think of an overtired toddler, throwing a tantrum over a broken cracker. That child will be back to a normal, cheerful kid after naptime. You may find that sleep helps you think more clearly and logically about your bad news. You can also try taking a power nap to reset yourself. Getting sleep when you are stressed can be difficult. Learn some bedtime relaxation techniques like turning off electronic devices, listening to calming music or a guided meditation, or taking a bath. Release all the stress, tension, and anxiety you are carrying from the bad news by exercising. Exercise produces endorphins, which help you feel better, as well as helps you feel more energized and alert. Try taking a walk. Even moderate physical activity can help improve your mood and lower your stress level. Take some time out for yourself to play your favorite sport or go to the gym. Bad news can be exhausting. Your brain is working overtime as it tries to process your news or problem-solve. You may also be forced to take on extra responsibilities as a result of this bad news. For example, if you received the news that your father was in a serious car accident, you may not only be emotionally drained, you may also be busy visiting him at the hospital, obtaining the police report, contacting his insurance company, and supporting your mother. Go easy on yourself and give your permission to let non-essential things slide during this time. For example, let the dirty dishes pile up in the sink, or reschedule a work meeting if you can. You may be tempted to manage your pain by drinking, using drugs, or binge eating. Keep in mind that these behaviors only temporarily dull your feelings and do nothing to help you work through your bad news. These behaviors only create a cycle of feeling the pain and numbing the pain. They do not help you process the pain. If you feel compelled to drink to excess, use drugs, or binge, talk to a friend to help distract yourself, or consider attending a support group meeting, such as Alcoholics Anonymous.

summary: Breathe. Drink water. Get a good night's sleep. Exercise. Prepare for fatigue. Avoid numbing behaviors.

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You'll have to return to your other browser window or tab to find it. This is the code in the box beneath "Step 3." You can copy the text by highlighting it, then pressing Control+C or Command+C. It's on the left side of the Blogger dashboard, just above "Template." In most cases, you'll want the button to appear in a header or footer. You'll have to scroll down a little bit to find it. " You can do this by clicking into the box and pressing Control+V or Command+V. Now you'll see a gadget box called "facebook." Click Preview at the top right corner of the page to make sure the button appears where it should. If you don't like the location, you can drag the "facebook" box to one of the other sections in your layout. It's at the top right corner of the screen. Now, when someone enjoys your blog, they can easily share it with all of their Facebook friends.
summary: Copy the second box of code from the Like Button Configurator. Click Layout back in Blogger. Click the Add a Gadget button where you want the button to appear. Select HTML/JavaScript. Type facebook under "Title. Paste the copied code into the "Content" box. Click Save. Click Save Arrangement.