You may be able to refinance a bad car loan and get a lower monthly payment and better interest rate if your credit score has improved since you initially financed your car. Generally, you need a credit score above 640 to qualify for refinancing. If you notice any errors on your credit report, contact the credit bureaus to get them corrected before you apply to refinance your car loan.You want the highest and most accurate score you can possibly have. Set aside time to complete applications with several lenders to refinance your car. You'll need to provide basic personal information to establish your identity and income, as well as information about your car and your current loan.  Use free online services, such as Credit Karma or Nerd Wallet, to find lenders more likely to approve your application based on your credit history. Apply to at least 2 or 3 lenders so you can compare rates. Each application you submit will result in a hard inquiry on your credit report. However, multiple inquiries for the same purpose typically won't impact your score significantly. Provided you meet the minimum requirements, you'll likely have 2 or 3 offers to refinance your car. Rather than immediately going with the first offer, take the time to compare so you can find the best offer for you.  If you're interested in saving money overall, you generally want to go with the lowest interest rate – even if the monthly payments are higher than what you're paying now. However, make sure the additional amount will fit into your budget. If your current monthly payment is too much of a strain on your budget, look for a loan that has the lowest monthly payment. This may entail extending the term of your loan relative to the original, or paying a slightly higher interest rate. Once you've chosen the offer you want, the new lender will have paperwork for you to sign so the new loan will go into effect. The lender will connect with your original lender to pay off your original loan.  You may need to contact your original lender to let them know in advance that you are refinancing your loan with a different lender. Find out from the refinancing lender what you'll need to do before you sign the paperwork. Get a copy of the signed loan agreement for your records. Keep it with your sales contract and other car documents so you can easily access it when necessary.
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One-sentence summary -- Check your credit score. Apply with lenders to refinance your loan. Compare offers from different lenders. Sign the contract for your new loan.

Q: A period is a standard sign of puberty. There are ways of telling if your period is coming. One way of telling if your period is near is vaginal discharge. Discharge is a yellow/white substance that appears in your underwear. Once you get your discharge, your period could come within 6 months to up to 2 years time. Some girls choose to wear a pantyliner to protect their underwear from discharge. You can expect your period about two years after you get breast buds. Just after your breasts start to form, you'll probably start growing pubic hair (hair on and around your private regions).It will be soft and thin at first, but it’ll get coarser over time. Your period usually arrives around one to two years after public hair growth.
A: Be aware that you can get your period anytime between ages 9 to 16. Know the signs. Note that your breasts will start to grow. Expect to see pubic hair grow.

Article: There are several resources available to help you prepare for both certification exams.  The NCBDE certification exam handbook has an appendix with an extensive list of resources.  The AADE handbook also offers a list of useful resources in its appendix.  Appendix 3 in the NCBDE handbook offers a content outline.  The content outline describes broadly what the diabetes education test will cover.  Examine this content outline closely.  Seek assistance from a mentor or consult diabetes education literature to answer questions you might have about the material. Appendix 5 in the NCBDE handbook offers a list of suggested references.  Look over these references, taking notes as necessary, to sharpen your knowledge of specific content areas.  Focus on areas that you are less familiar with in order to remedy any gaps in your understanding. For a $55 fee, you can take a practice NCBDE examination through Psi/Amp.  A practice AADE test is available online for $95.  A test tutorial to help you familiarize yourself with the computerized testing system is also available online. Visit the test center at the time and date you selected.  Arrive early so that you have plenty of time to find a seat and settle in.  The NCBDE test consists of 200 multiple-choice questions.  You’ll have four hours to complete the exam.  The AADE test consists of 175 multiple-choice questions administered over three-and-a-half hours.  Bring at least two types of valid, government-issued photo ID.  You might bring a passport, driver’s license, military identification card, or state identification card with photo. You should also bring a printout confirming your test site, date, and other relevant information. Do not bring your phone, hat, electronics, or other personal items into the test center with you. The AADE exam results are mailed six to eight weeks after taking the exam.  NCBDE scores are reported in two ways: raw scores and scaled scores. The NCBDE exam’s raw scores will give you your score as a percentage of the total number of questions you got correct out of 200.  For instance, you might get a raw score of 150/200.  Scaled scores are reported as a percentage of correct questions on a scale of 0 to 99.  You must score at least a 70 on this scale in order to pass the exam.  Using the above example — 150/200 — you would earn a 75, giving you a passing grade. You must recertify your NCBDE and/or AADE credentials every five years.  Recertification for the NCBDE requires that you accrue at least another 1,000 hours of DSME and that you hold the same position in the same medical field that you held when you obtained certification originally.  If you cannot meet the 1,000-hour practice requirement but wish to maintain your certification, you can substitute the practice requirement for 75 clock hours of continuing education. When your certification is close to expiration, the NCBDE, and/or AADE will send you a reminder notification along with directions outlining how to renew your certification.  Renewal costs $250 for NCBDE certification and $500 for the AADE certification (or $800 if you are not an AADE member). With your new credentials, you’ll have a legitimate claim to expertise in the field of DSME.  With your certification, you should be eligible for a pay raise.  Broach the subject discretely with your employer.  You might ask, for instance, what kind of financial benefits you’re eligible for as a certified diabetes educator. Many medical professionals find that they are more confident, respected, and financially secure as a result of earning their certification.
Question: What is a summary of what this article is about?
Prepare for the test. Take the test. Review your scores. Renew your certification. Use your certification.

Article: Type/Copy/Paste: cd /home/"your_user_name"/Downloads  Type/Copy/Paste: sudo cp -r jdk-7u40-linux-i586.tar.gz   /usr/local/java  Type/Copy/Paste: sudo cp -r jre-7u40-linux-i586.tar.gz /usr/local/java  Type/Copy/Paste: cd /usr/local/java Type/Copy/Paste: sudo tar xvzf jdk-7u40-linux-i586.tar.gz  Type/Copy/Paste: sudo tar xvzf jre-7u40-linux-i586.tar.gz
Question: What is a summary of what this article is about?
Become root user and copy the new compressed Oracle Java binaries from our download directory to /usr/local/java  Next we are going to unpack our new version of Oracle Java binaries, in the directory /usr/local/java