Problem: Article: Not all dealers are as accommodating to low or poor credit scores. You will need to find a dealer that is willing to work with your credit to get you the loan that you want.  Some dealers specialize in this and have unique relationships with lenders that are ready to work with you.  You will need to speak with the dealer's finance team or department directly to learn if they can help you. Inform them clearly of your situation. You won't get an accurate picture of how likely you are to be financed if you don't convey your exact credit situation to your dealers finance team. You may not need to submit an application for financing to learn if you will get the loan or not.  A capable finance manager should be able to tell you how likely you are to receive the loan when you do actually apply. It may be tempting to apply wherever you can in an attempt to successfully get your application accepted. However, applying to many lenders at once can actually hurt your credit score further. You should also know that not all lenders are ideal for a motorcycle loan.  Apply only to lenders that specialize in personal loans or in motorcycle loans. Look for key terms such as bad credit, poor credit, no credit, motorcycle financing, or after bankruptcy loans. Remember, though, that bankruptcy will typically not be a factor if it has been discharged for two or more years. Loans made to people with bad credit may have higher interest rates. Be fully aware of the conditions of your loan before accepting. A co-signer to a loan is another person that promises to take on payments if you are unable. If your co-signer has a better credit score than you, this can help you to obtain the loan you are seeking.  Your co-signer should have excellent credit. Having a co-signer helps assure your lender that they are more likely to receive their payments. If you have made payments on another motorcycle, you can demonstrate your consistency on those payments. Despite your low credit score, by showing your previous motorcycle payments were always met on time, you increase the likelihood that you will receive the loan. Try to save up as much money as you can, without a loan, for a down payment. By placing a larger amount of money down on your motorcycle upfront, you show that you are serious about this investment. Lenders will view larger down payments in your favor. By paying off a majority of the cost, you will also save money on interest when you do take out a loan.
Summary: Talk with your dealer. Find the right lender. Inform your lender if you have a co-signer. Demonstrate your payments on a previous motorcycle. Make a larger down payment.

Problem: Article: Do not expect a speedy response if the person is dead because they won't be able to respond.  There are many online sites that sell used medical equipment at competitive prices, from general online selling sites like ebay.com or craigslist.com to more specific sites that sell used medical equipment, such as medibid.com, usedhm.com, disabledgear.com or dremed.com. You should do a search on these online sellers for specific equipment you are interested, such as monitors, defibrillators, or imaging equipment. Searching more than one online site at once can help you to find competitive prices and the best deals on used medical equipment. Medical equipment providers often have liquidation sales where they sell old equipment or used equipment that is sold through a consignment service through the provider. Do a search online or in the newspaper classifieds section for medical equipment providers who offer discounted used equipment. If you know a medical center is moving or closing near you, you may want to check in and see if they are having a closing or moving sale.  You can often find used medical equipment at good prices through local medical facilities that are not taking their equipment with them or replacing their existing equipment. Many medical facilities will advertise their used equipment online on sites that sell medical equipment. You may want to do a search on these sites for medical facilities in your area who are advertising their equipment for sale. Reach out to healthcare providers, such as your doctor or a family doctor, and ask them if they have any old equipment they would be willing to sell. They may also be able to refer you to other healthcare providers who are thinking of selling their old medical equipment. Try to be specific about what types of medical equipment you are looking for when you talk to healthcare providers. If you are looking for a specific wheelchair model, for example, you may ask your doctor if he knows of any healthcare providers who might be willing to sell a used version of the wheelchair. When you are searching advertisements for equipment, make sure the ads contain several photographs of the equipment to ensure the equipment is in good condition. Look closely at the equipment for any damage, marks, or scratches. The seller should disclose any damage to the used items in their advertisement. If the seller does not do this, you may want to think twice before buying an item from the seller as the seller could be suspicious or neglect to specify damage to the item in an attempt to make a quick buck. You should also contact the seller directly through the contact info provided and ask for more detail on the equipment to determine its condition and if it is what you’re looking for. Starting a conversation with the seller about the item can allow you to feel more comfortable about buying used medical equipment online and ensure you know exactly what you are buying from the seller.
Summary: Search for medical equipment via online sellers. Check medical equipment liquidation sales. Look for used medical equipment for sale at medical facilities. Talk to healthcare providers who are selling their old equipment. Confirm the equipment is in good condition before buying it.

Problem: Article: Part of being self-reliant is undertaking certain responsibilities that enable people to experience independence.  Doing simple things such as paying your bills on time, cleaning up after yourself if you make a mess, and going to work or school on time can help you feel more responsible and self-reliant. If you do not have a job, you have the responsibility of looking for a job, seeking education that will lead to employment, or starting your own business. Information is power, so having information will give you the power to make your own decisions and assert your independence.  Try to be well-rounded and keep up with information about what is going on in your place of business or school, your town, your state, your country, and the world. For example, knowing that a local ordinance determining whether backyard chickens can be kept in your area is coming up for a vote can give you the opportunity to lobby and vote for the ability to keep chickens for fresh eggs. You should have a sense of direction.  Something has to drive you.  For example, if you are attending college, you should at least have an idea of what you want to do after college and what you are passionate about studying.  You should also try to set goals for yourself.  Try setting short-term, medium-term, and long-term goals, then be realistic about what you need to do to meet those goals.  Seek out a career counselor if you are not sure what you’d like to do with your life.  Career self-assessments can be found online. Many websites like this one or this one can offer helpful guidance. Most schools have career centers or guidance counselors available to all enrolled students.  These resources can help you shape a vision for your future. Allowing people to make your decisions for you is essentially giving up your independence and self-reliance.  Assert yourself and make decisions for yourself based on your goals and dreams.  While it is important to be considerate towards other people, it is not necessary to give up your ability to make your own decisions.  For example, if you are looking for a place to live with a roommate, be sure you are making decisions based on what is best for you.  If you prefer to rent a house and have a bit more independence than an apartment building, stick to your preference and do not allow your roommate to talk you into something that you don’t want to do. It can also be common for some people to allow their spouses or significant others to make all the decisions in their relationship, from where to go out to eat to where to live and what kind of car to buy.  Changing the dynamic of such a relationship may strain the relationship, but having a part in the decision making at both daily and long-term levels can give you greater control of your life.
Summary:
Assume responsibility for your life. Be informed. Know where you are going. Make your own decisions.