INPUT ARTICLE: Article: 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.

INPUT ARTICLE: Article: If you have particularly dry hair, you may need daily oiling. For example, many African Americans with natural hair find daily oiling beneficial. It increases the hair's moisture and shine.  Don’t apply oil to the scalp every day. The scalp produces its own oils, so the hair closest to it is usually fairly healthy. Applying extra oil on a daily basis might hurt more than it helps by causing oily hair at the roots. Apply a thin layer of oil to the shafts of your hair, focusing on the tips. The oil from your scalp works its way from the root down to the tip of your hair. It's a longer trip for people with long hair, though, so the ends are often dry and brittle. Curly hair also tends to dry out at the bottom because the curls and kinks stop oil from working down the strands. Don’t over-oil your hair if you’re applying it on a daily basis. You hair should not be completely saturated. You don’t want to walk around with flat, greasy hair all the time! Once a week or once every two weeks, you should do a deep-conditioning mask treatment with your oil.  Saturate your hair with the oil. For daily oiling, you might just use a light coating of oil, but for a leave-in treatment, you want your hair thick with it. Tie your hair up into a bun. This will protect the shoulders and back of your clothing from the oil. Cover your hair with a shower cap if you’d like. This is especially useful if you don’t have a plastic cover for your pillowcase. If you don’t use a shower cap, cover your pillow with either a vinyl case or with two layers of old towels to protect it from oil stains. Leave the oil in for at least eight hours, or until you take a shower the next day. Many find that dry, brittle hair benefits most from oiling when the oil is applied to damp hair. Apply a base oil in place of your normal conditioner twice a week, immediately after you’ve rinsed the shampoo from your hair. Shampoo strips the hair of its natural oils, leaving it dry. This is a good time for a moisture boost.  Shampoo and apply the oil as soon as you begin your shower. Let the oil soak into your hair for the rest of your shower, as you go on with the rest of your shower routine. Try to leave the oil in from 5-10 minutes. Placing a shower cap over your hair to protect it from the water will help prevent washing it out before you’re ready. Be careful applying oil in the shower. When you rinse it out of your hair, the tub can get very slippery.

SUMMARY:
Oil your hair lightly for daily treatment. Use the oil as a leave-in conditioner. Oil particularly brittle hair when it’s damp.