8900 S US Hwy 17/92 Maitland, FL 32751 407-613-2271

America's Independence Day

On July 2nd, the Continental Congress voted in favor of Lee’s resolution for independence in a near-unanimous vote (the New York delegation abstained, but later voted affirmatively). On that day, John Adams wrote to his wife Abigail that July 2 “will be celebrated, by succeeding Generations, as the great anniversary Festival” and that the celebration should include “Pomp and Parade…Games, Sports, Guns, Bells, Bonfires and Illuminations from one End of this Continent to the other.”
On July 4th, the Continental Congress formally adopted the Declaration of Independence, which had been written largely by Jefferson. Though the vote for actual independence took place on July 2nd, from then on the 4th became the day that was celebrated as the birth of American independence.
Early Fourth of July Celebrations
In the pre-Revolutionary years, colonists had held annual celebrations of the king’s birthday, which traditionally included the ringing of bells, bonfires, processions and speechmaking. By contrast, during the summer of 1776 some colonists celebrated the birth of independence by holding mock funerals for King George III as a way of symbolizing the end of the monarchy’s hold on America and the triumph of liberty.
Festivities including concerts, bonfires, parades and the firing of cannons and muskets usually accompanied the first public readings of the Declaration of Independence, beginning immediately after its adoption. Philadelphia held the first annual commemoration of independence on July 4, 1777, while Congress was still occupied with the ongoing war.
George Washington issued double rations of rum to all his soldiers to mark the anniversary of independence in 1778, and in 1781, several months before the key American victory at the Battle of Yorktown, Massachusetts became the first state to make July 4th an official state holiday.
READ MORE: Two Presidents Died on the Same July 4: Coincidence or Something More?
After the Revolutionary War, Americans continued to commemorate Independence Day every year, in celebrations that allowed the new nation’s emerging political leaders to address citizens and create a feeling of unity. By the last decade of the 18th century, the two major political parties—the Federalist Party and Democratic-Republicans—that had arisen began holding separate Fourth of July celebrations in many large cities.
Fourth of July Fireworks
The first fireworks were used as early as 200 BC. The tradition of setting off fireworks on the 4 of July began in Philadelphia on July 4, 1777, during the first organized celebration of Independence Day. Ship’s cannon fired a 13-gun salute in honor of the 13 colonies. The Pennsylvania Evening Post reported: “at night there was a grand exhibition of fireworks (which began and concluded with thirteen rockets) on the Commons, and the city was beautifully illuminated.” That same night, the Sons of Liberty set off fireworks over Boston Common.
Fourth of July Becomes a Federal Holiday
The tradition of patriotic celebration became even more widespread after the War of 1812, in which the United States again faced Great Britain. In 1870, the U.S. Congress made July 4th a federal holiday; in 1941, the provision was expanded to grant a paid holiday to all federal employees.
Over the years, the political importance of the holiday would decline, but Independence Day remained an important national holiday and a symbol of patriotism.
Falling in mid-summer, the Fourth of July has since the late 19th century become a major focus of leisure activities and a common occasion for family get-togethers, often involving fireworks and outdoor barbecues. The most common symbol of the holiday is the American flag, and a common musical accompaniment is “The Star-Spangled Banner,” the national anthem of the United States.
READ MORE: Why We Celebrate July 4 With Fireworks
Photo Gallery: The Founding Fathers
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GALLERY
10 IMAGES
Citation Information
Article Title
Fourth of July – Independence Day
Author
History.com Editors
Website Name
HISTORY
URL
https://www.history.com/topics/holidays/july-4th
Access Date
July 3, 2020
Publisher
A&E Television Networks
Last Updated
June 29, 2020
Original Published Date
December 16, 2009
TAGSAMERICAN REVOLUTION
BY HISTORY.COM EDITORS
Orlando car deals will be closed July 4th

What should I bring to the Dealership

1. What Do I Need to Bring When I Visit Your Dealership?

Bringing the correct documents to Orlando Car Deals dealership can dramatically speed up your purchase process. Although the list of items can differ depending on your unique credit situation , 

  • Driver's license
  • Proof of automobile insurance
  • A great attitude
  • Social Security number
  • Proof of residence (mortgage document or rental lease agreement, Piece of mail sent to you.)
  • References (6 needed with complete contact info. they can not live with you and no  2 can have the same address)
  • Proof of employment (paycheck stubs, with one less than 30 days old) Bank statements or Tax return work also
  • Current phone bill (or other utility bill such as gas, electric or water) helps but not mandatory
  • Down payment amount in cash, debit card or debit. NO CHECKS! (tax advance also accepted see dealer for more info)

COVID-19 – INFORMATION FOR BUSINESSES AND PERSONNE

General Information
Purpose
This is a resource packet designed to assist businesses to prepare for and stay informed about the coronavirus, the
virus that causes COVID-19 disease.
Due to the rapidly evolving nature of the outbreak, this document contains links to public health resources that are
updated regularly. In addition, guidelines for general infection control in the workplace and emergency preparedness
for businesses are included.
Description
Coronaviruses are a large family of viruses that can infect people and animals. Sometimes animal viruses can “jump”
hosts and spread to people. Once this happens, transmission from person to person can occur and spread rapidly.
This was the case with the SARS coronavirus (SARS-COV) that spread in 2003, and most recently, the coronavirus
that is causing COVID-19 (SARS-CoV-2). The virus can cause severe respiratory illness, multi-organ failure and death.
An outbreak was first discovered in Wuhan (Hubei Province), China in December 2019 and has since spread to many
countries in the world.

Symptoms, Clinical Presentation and Course of Illness

The most frequently reported signs and symptoms of COVID-19 include:
• Fever
• Cough
• Shortness of breath
• Muscle aches
• Fatigue
The emergency warning signs that require immediate medical attention are:
• Difficulty breathing or shortness of breath
• Persistent pain or pressure in the chest
• New onset of confusion or inability to arouse
• Bluish lips or face
Less commonly reported symptoms and signs are:
• Sore throat
• Headache
• Cough with mucous or blood
COVID-19 – INFORMATION FOR
BUSINESSES AND PERSONNEL
© 2020 MED-PASS, INC. AND HEATON RESOURCES (MARCH 2020)
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Transmission
• Symptoms may appear 2-14 days after exposure. The period between exposure and the onset of symptoms is
called the incubation period.
• An infected person may still be contagious during the incubation period, even if he or she has not developed
symptoms. People with mild symptoms can still infect others.
• Early reports suggest that the infection is spread through close contact (within 3-6 feet) with a person infected
with COVID-19.
• The route of transmission (how the infection is spread) appears to be through respiratory droplets.
o Droplets are expelled into the air when an infected person talks, laughs, coughs or sneezes.
o Droplets can land in the mouths, noses, or eyes of people who are nearby or possibly be inhaled into the
 lungs of those within close proximity.
o Droplets may also land on surfaces and remain infectious for prolonged periods.
• It is not clear if the virus is spread in smaller particles that can be inhaled (aerosols or droplet nuclei) but currently, airborne transmission from person-to-person over long distances is thought to be unlikely.
For updates on the outbreak, please see: https://www.cdc.gov/coronavirus/2019-ncov/cases-updates/summary.html
Workplace Infection Prevention and Control Measures
Encourage Proper Hand and Respiratory Hygiene
Provide basic training and bulletins to remind personnel, customers and others to:
Wash their hands often with soap and water for at least 20 seconds
Use hand sanitizer that contains at least 60% alcohol If soap and water are not readily available.
• Avoid touching eyes, nose, and mouth with unwashed hands.
Cover mouth and nose with a tissue when coughing or sneezing; use the inside of elbow to cover mouth if tissues are unavailable. Throw used tissues in the trash and wash hands immediately.
See hand hygiene steps here: https://www.cdc.gov/healthywater/hygiene/hand/handwashing.html
See respiratory etiquette guidelines here:
https://www.cdc.gov/healthywater/hygiene/etiquette/coughing_sneezing.html
Provide Needed Supplies
On order to promote a work environment that supports personal hygiene, make sure that the supplies and resources
are on hand, including:
• Soap, water, paper towels and hand washing sinks
• Alcohol-based hand sanitizer
• Disinfectants
• Tissues
• No-touch trash receptacles
• Signs reminding personnel and customers to wash their hands and practice respiratory hygiene
© 2020 MED-PASS, INC. AND HEATON RESOURCES (MARCH 2020)
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Practice In-Office Social Distancing
Ask personnel to comply with social distancing policies while in the office, including refraining from visiting cubicles
or desks, shaking hands, using other people’s office equipment or borrowing supplies (pens, staplers, etc.). In addition
to in-office distancing, some companies may stagger schedules or offer work from home options in order to increase
physical distance among employees.
Screen Employees for Risk Factors
Some individuals are at higher risk for developing serious illness from SAR-CoV-2 infection. Older adults, people
with chronic health conditions and those with compromised immune systems may need to be reassigned so that
they can maintain at least a six-foot distance from other workers, visitors and customers.
 See: https://www.cdc.gov/ coronavirus/2019-ncov/specific-groups/high-risk-complications.html for information about high risk groups. 
Screen Personnel for Signs and Symptoms of Illness
The practice of screening all employees for signs or symptoms of respiratory illness may help prevent the spread of
SAR-CoV-2 in the workplace. These measures involve:
• Educating all personnel about risk factors, signs and symptoms of infection;
• Requesting self-monitoring and reporting of symptoms, even if mild;
• Encouraging symptomatic and/or ill personnel to stay at home and self-isolate 
(see https://www.cdc.gov/ coronavirus/2019-ncov/hcp/disposition-in-home-patients.html) for return to work criteria 
• Provide temperature screening checkpoints at the beginning of shifts.
Restrict Travel
Discontinue all non-essential travel.
Disinfect the Environment
Assign a person (or persons) to oversee and document daily cleaning and disinfection of the work environment.
Surfaces that should be cleaned and disinfected multiple times a day recommended include:
• Tables
• Desks
• Handles and doorknobs
• Light switches and fixtures
• Keyboards
• Phones and keypads
• Bathrooms
• Kitchen areas
© 2020 MED-PASS, INC. AND HEATON RESOURCES (MARCH 2020)
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Workplace Practices
Understand Your Business Vulnerabilities
Aside from the safety concerns of individual workers, business should prepare for systemic burdens related to the
COVID-19 outbreak, including:
Absenteeism – this can be a results of illness, caring for ill family members, caring for children who are not in
school, or due to fear of exposure.
Changes in commerce patters – customers may request off-peak hours to avoid crowds, increase demands on
e-commerce, or suspend any non-essential purchases.
Supply chain or delivery interruptions – shipments from areas severely affected by the virus may be delayed
or cancelled.
Inventory vulnerabilities – depending on the goods or services sold, companies may have inventory that
is perishable or time-sensitive, while others may be unable to keep up with surges in demand. Purchasing,
logistics (such as manufacturing schedules and shipping), and inventory needs may change dramatically over
weeks or months.
Provide Information
Establish a central contact point of contact so that personnel know where to go for updated information specific to
your company. Some suggestions:
• Circulate daily, company-wide emails
• Provide a telephone number with a voice recording of the current situation
• Post revised policies and procedures as soon as they are available
• Share the Emergency Plan with essential personnel as soon as it is finalized
• Establish a COVID-19 landing site on the company intranet
• Establish a phone tree for critical personnel
Disinfectants
Use disinfectants appropriate for the surface. If surfaces are dirty, clean then using detergent or soap and water prior to
disinfection. The following solutions are considered effective against hard to kill viruses:
Diluted household bleach
To make a bleach solution, mix: 5 tablespoons (1/3rd cup) bleach per gallon of water OR 4 teaspoons bleach per quart of water.
Follow manufacturer’s instructions for application and proper ventilation. Check to ensure the product is not past its expiration
date. Never mix household bleach with ammonia or any other cleanser.
Alcohol solutions
Ensure solution has at least 70% alcohol.
Other common EPA-registered household disinfectants
The products and ingredients listed in the links below are expected to be effective against COVID-19. Follow the manufacturer
instructions for all cleaning and disinfection products (e.g., concentration, application method and contact time, etc.).
https://www.epa.gov/pesticide-registration/list-n-disinfectants-use-against-sars-cov-2 and
https://www.americanchemistry.com/Novel-Coronavirus-Fighting-Products-List.pdf
© 2020 MED-PASS, INC. AND HEATON RESOURCES (MARCH 2020)
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Assess the Risk Level of Each Job Task
OSHA has divided job tasks into four exposure risk levels. The level represents the occupational risk of exposure to
SARS-COV-2. The following table represents the risk levels:
Very high exposure risk jobs are those with high potential for exposure to known or suspected sources of
COVID-19 during specific medical, postmortem, or laboratory procedures.
o Healthcare workers performing aerosol-generating procedures on known or suspected COVID-19 patients
o Healthcare or laboratory personnel collecting or handling specimens from known or suspected COVID-19
patients.
o Morgue workers performing autopsies on the bodies of people who were known to or suspected of having
COVID-19 at the time of their death.
High exposure risk jobs are those with high potential for exposure to known or suspected sources of COVID-19.
o Healthcare delivery and support staff (e.g., doctors, nurses, and other hospital staff who must enter patients’
rooms) exposed to known or suspected COVID-19 patients.
o Medical transport workers (e.g., ambulance vehicle operators) moving known or suspected COVID-19 patients in
enclosed vehicles.
o Mortuary workers involved in preparing (e.g., for burial or cremation) the bodies of people who are known to
have, or suspected of having, COVID-19 at the time of their death.
Medium exposure risk jobs include those that require frequent and/or close contact with (i.e., within 6 feet of)
people who may be infected with SARS-CoV-2, but who are not known or suspected COVID-19 patients.
o In areas without ongoing community transmission, this may include people who have frequent contact with
travelers who have been in locations with widespread COVID-19 transmission (e.g., airport personnel).
o In areas with ongoing community transmission, this category includes anyone who has to be in contact with the
general public (e.g., high-volume retail stores).
Lower exposure risk jobs are those that do not require contact with people known to be, or suspected of
being, infected with SARS-Cov-2, nor frequent close contact (within 6 feet) of the general public.
Utilize Engineering and Administrative Controls Appropriate for the Situation
and Task
Low exposure risk jobs:
• Follow general guidelines for infection prevention and control.
• Personal protective equipment (masks, gloves, gowns, etc.) are not required.
• Engineering controls for SARS-CoV-2 (i.e., special ventilation, barriers. Etc.) are not required.
• Monitor public health communications and communicate with personnel as the situation develops.
© 2020 MED-PASS, INC. AND HEATON RESOURCES (MARCH 2020)
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Medium exposure risk jobs:
• Follow general guidelines for infection prevention and control.
• Install physical barriers (.g., plastic sneeze guards) where feasible or indicated
• If possible, provide face masks to ill personnel and customers to contain respiratory secretions until they can
leave the workplace.
• Keep customers informed about symptoms of COVID-19 and ask sick customers to minimize contact with workers until healthy again, such as by posting signs about COVID-19 in stores where sick customers may visit.
• Where appropriate, limit customers’ and the public’s access to the worksite, or restrict access to only certain
workplace areas.
• Consider strategies to minimize face-to-face contact (e.g., drive-through windows, phone-based communications, e-commerce, etc.).
• Workers with medium exposure risk may need to wear some combination of gloves, a gown, a face mask, and/
or a face shield or goggles. PPE ensembles for workers in the medium exposure risk category will vary by work
task, the results of the employer’s hazard assessment, and the types of exposures workers have on the job.
High or very high risk exposure jobs:
• Follow general guidelines for infection prevention and control.
• Ensure appropriate air-handling systems are installed and maintained in healthcare facilities. See www.cdc.
gov/mmwr/preview/mmwrhtml/rr5210a1.htm.
• Place patients with known or suspected COVID-19 (i.e., person under investigation) in an airborne infection
isolation room (AIIR), if available.
• Use isolation rooms when available for performing aerosol-generating procedures on patients with known or
suspected COVID-19. For postmortem activities, use autopsy suites or other similar isolation facilities when
performing aerosol-generating procedures on the bodies of people who are known to have, or suspected of
having, COVID-19 at the time of their death. See www.cdc.gov/coronavirus/2019-ncov/hcp/guidance-postmortem-specimens.html
• Use special precautions associated with Biosafety Level 3 when handling specimens from known or suspected
COVID-19 patients. See www.cdc.gov/biosafety/publications/bmbl5
• Develop and implement policies that reduce exposure, such as cohorting (i.e., grouping) COVID-19 patients
when single rooms are not available.
• Post signs requesting patients and family members to immediately report symptoms of respiratory illness on
arrival at the healthcare facility and use disposable face masks.
• Consider offering enhanced medical monitoring of workers during COVID-19 outbreaks.
• See also, https://www.cdc.gov/coronavirus/2019-ncov/hcp/guidance-risk-assesment-hcp.html for guidance on
healthcare personnel with potential exposure to COVID-19.
• Provide all workers with job-specific education and training on preventing transmission of COVID-19, including
initial and routine/refresher training.
• Ensure that psychological and behavioral support is available to address employee stress.
© 2020 MED-PASS, INC. AND HEATON RESOURCES (MARCH 2020)
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Manage Sick Personnel
• Promptly identify and separate sick personnel (See Screening Personnel for Signs and Symptoms of Illness)
• Instruct personnel to notify their supervisor immediately if symptoms develop at work.
• Instruct personnel to stay at home if symptoms develop at home, and to notify their supervisor if someone in
their household becomes sick.
• Institute flexible sick leave policies and emergency sick pay, if feasible.
• Refer symptomatic employees to the local health department or their healthcare provider for possible testing.
• Implement return to work practices based on current guidelines. https://www.cdc.gov/coronavirus/2019-ncov/
hcp/disposition-in-home-patients.html
Communicate with Local Public Health Authorities
State Epidemiologists: https://www.cste.org/page/StateEpi
Local Health Departments: https://www.naccho.org/membership/lhd-directory
Plan for Shelter-in-Place Orders
Many states have issued stay at home or more restrictive shelter in place orders for individuals, and have allowed only
essential businesses to remain open. The definition of “essential business” varies from state to state but most agree
that the following types of businesses are essential for everyday lives:
• Supermarkets and grocery stores
• Big-box stores
• Pharmacies
• Convenience stores and discount stores
• Garbage collection
• Healthcare operations
• Daycare centers
• Hardware stores
• Gas stations and auto-repair shops
• Banks
Recording Workplace Exposures to COVID-19
OSHA recordkeeping requirements at 29 CFR Part 1904 mandate covered employers record certain work-related injuries and
illnesses on their OSHA 300 log (https://www.osha.gov/recordkeeping/RKforms.html).
COVID-19 can be a recordable illness if a worker is infected as a result of performing their work-related duties. However, employers
are only responsible for recording cases of COVID-19 if all of the following are met:
• The case is a confirmed case of COVID-19 (see CDC information on persons under investigation and presumptive positive
and laboratory-confirmed cases of COVID-19);
• The case is work-related, as defined by https://www.osha.gov/laws-regs/regulations/standardnumber/1904/1904.5; and
• The case involves one or more of the general recording criteria set forth in https://www.osha.gov/laws-regs/regulations/
standardnumber/1904/1904.7.
© 2020 MED-PASS, INC. AND HEATON RESOURCES (MARCH 2020)
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• Post offices and shipping businesses
• Veterinary clinics and pet stores
• Farmers’ markets and food banks
• Businesses that provide necessities to shelters and economically disadvantaged people
• Educational institutions, for the purposes of facilitating distance learning
• Agriculture and food processing
• Warehousing, storage, and distribution
• Transportation, including airlines, taxis, ride share programs, and vehicle rentals
• Businesses that allow essential businesses to operate
Employees associated with critical infrastructure, including utilities, law enforcement, transportation, public works,
public health, food and agriculture are also exempt from mandatory shelter-in-place orders.
Establish a Continuity of Operations Plan (COOP)
Pandemics and widespread infectious disease outbreaks demand continuity of operations planning considerations
specific to infectious disease outbreaks particularly as it relates to the impact on personnel. In general, a COOP
provides detail and guidance so that organizations continue to perform essential services during a disruption of
normal operations. It should include provisions for:
• Maintaining essential functions of the operation
• Establishing delegations of authority and orders of succession
• Managing communications
• Supporting information systems and network capacity
• Ensuring essential records access and management
Organizations are encouraged to consider the utilizing a Continuity of Operations Plan Template (see FEMA Continuity
Plan [non-federal] Template at: https://www.fema.gov/continuity-resource-toolkit) to assist with medium-to long
range planning during emergencies.
Activate the Incident Command System
Organizations that have an Emergency Response Plan based on the National Incident Management System (NIMS)
will have an Incident Command System in place and should activate it when indicated by the local situation. The local
or regional emergency management office will provide guidance and serve as a network for further information and
resource sharing.
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Further Resources
Current Situation
For current coronavirus disease (COVID-19) cases in the US see:
https://www.cdc.gov/coronavirus/2019-ncov/cases-in-us.html
For global case numbers reported by the World Health Organization, see:
https://www.cdc.gov/coronavirus/2019-ncov/locations-confirmed-cases.html#map
For a current CDC Situation summary, see:
https://www.cdc.gov/coronavirus/2019-ncov/cases-updates/summary.html?CDC_AA_refVal=https%3A%2F%2Fwww.
cdc.gov%2Fcoronavirus%2F2019-ncov%2Fsummary.html
Testing
To contact a state health department for a testing sites:
https://www.cdc.gov/publichealthgateway/healthdirectories/healthdepartments.html
See CDC Evaluating and Testing Persons for Coronavirus Disease 2019 (COVID-19) at:
https://www.cdc.gov/coronavirus/2019-nCoV/hcp/clinical-criteria.html
Government and Public Health Resources
Centers for Disease Control and Prevention Coronavirus Disease 2019:
https://www.cdc.gov/coronavirus/2019-ncov/about/index.html
Centers for Disease Control and Prevention – Implementation of Mitigation Strategies for Communities with Local
COVID-19 Transmission:
https://www.cdc.gov/coronavirus/2019-ncov/downloads/community-mitigation-strategy.pdf
Centers for Medicare and Medicaid Services: Coronavirus Emergency Updates:
https://www.cms.gov/About-CMS/Agency-Information/Emergency/EPRO/Current-Emergencies/Current-Emergenciespage
Federal Emergency Management Agency Continuity Resource Toolkit:
https://www.fema.gov/media-library-data/1536859210230-a1cc6e2fbae089261fccf7f8ee1693a8/non_federal_
continuity_plan_template_508_083118.pdf
Federal Government Coronavirus COVID-19:
www.usa.gov/coronavirus
State and Local Health Department Directory:
https://www.cdc.gov/publichealthgateway/healthdirectories/healthdepartments.html
Occupational Safety and Health Administration
https://www.osha.gov/SLTC/covid-19/standards.html
World Health Organization Coronavirus Disease Outbreak:
https://www.who.int/emergencies/diseases/novel-coronavirus-2019
See EPA List N: Disinfectants for Use against SARS-CoV-2:
https://www.epa.gov/pesticide-registration/list-n-disinfectants-use-against-sars-cov-2

Buy-here, pay-here

Buy here, pay here
From Wikipedia, the free encyclopedia
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In an automobile dealership, buy here, pay here, often abbreviated as BHPH, refers to a method of running an automobile dealership in which dealers themselves extend credit to purchasers of automobiles.[1] Typically, purchasers of cars at BHPH dealerships have poor credit history, and loans have high interest rates.[1] BHPH can provide options for those unable to meet credit standards elsewhere.
Contents
1 History and background
2 Issues
3 Regulations in the United States
4 References
History and background
The BHPH Industry originated primarily in the early 1970s during the United States savings and loan crisis. With many similarities to the financial crisis of 2007-2010 credit was difficult to obtain, unemployment was rising & the economy was still in a transformation from a production-based economy to a service-based economy.
Automobile dealers who still wanted to sell cars had to find a way to deal with the increasing price of vehicles relative to income. They had to sell these vehicles to wary consumers who were unwilling or unable to pay cash for the new purchase at the point of purchase. In many cases, when banks would not lend to the consumer, the automobile dealer would start a related finance company (RFC) and have the finance company approve the loan on the vehicle. This represented a step into the consumer finance business for automobile dealers. The advantage to the dealership of having an RFC finance was decreased risk on the sale and finance of the vehicles sold. Since both the RFC and the dealership had the same ownership, the owners could benefit from the profit on the sale of the vehicle and the profit on the loan for the vehicle. Historically, the down payment required on a BHPH loan was generally larger than the total profit on the sale of the vehicle. Therefore, if the buyer didn’t make payments, the RFC could repossess the vehicle and sell it again at the dealership. Since 2008, many outside lending institutions have entered the market and the average down payment on a BHPH loan has significantly decreased, as dealers try to maintain a share of the market.[2] Many of the benefits of separating the RFC out from the BHPH dealership are based in the tax code changes of the Tax Reform Act of 1986. The Act restricted any companies that utilize inventory in their operating business from using cash accounting.[3]
Issues
Due to the high upfront cost of securing inventory, automobile dealerships frequently have a problem managing their cash flow. Often, used car dealerships purchase inventory using a retail floorplan, a type of specialty line of credit, that typically requires the automobile to be paid off in full within 90 days of purchase. This means that automobile dealers use loans to finance their operations and therefore have an interest in selling vehicles as quickly as possible in order to use the proceeds to pay off the loan rather than paying off the loan out of their working capital. One difficulty that this presents to BHPH dealers is that when they sell a vehicle to a BHPH customer the RFC needs to produce the loan funds so the dealership will have the funds to pay off the line of credit on that automobile. Often a ‘cash crunch’ is a primary reason for dealerships to go out of business.
Regulations in the United States
Related finance companies are not regulated as strictly as banks by the Federal Reserve, rather they are regulated by the Department of Financial Institutions or Department of Commerce on a State level depending on the State. Regulations may include maximum interest rate, late fee amounts, grace periods and so forth. Some of the companies that have started as RFCs have grown large enough that they became Industrial Banks which are FDIC Insured banks owned by non-financial institutions.
References
 "'Buy Here, Pay Here' Businesses Move Into Leasing". All Things Considered. NPR. 2012-01-19. Retrieved 10 February 2012.
 http://www.sgcaccounting.com/Resources/BHPHBenchmarks2013.pdf
 "The History of Buy Here Pay Here Dealerships". Retrieved 5 November 2016.

How does buy-here, pay-here financing work


When you buy and finance a car at a traditional car dealership, you choose a car and then the dealer typically passes your information to a network of potential third-party lenders. If you’re approved for a car loan, you make monthly payments to the lender that finances the loan.

Buy-here, pay-here dealerships flip the car-buying process in a few key ways. These dealerships sell and finance the cars straight off their lots — you might see them advertise with “we finance” or “no credit, no problem.”

If you plan to buy a car through a buy-here, pay-here dealership, you may be asked to verify your income and proof of residence, but the dealer typically won’t check your credit. Once the dealership determines the loan amount you qualify for, it will show you cars within that price range.


Orlando Car Deals can approve anyone with our buy here pay here program   just ask us for details.  844-700-DOWN   

Myths about Buy Here Pay Here

6 Common Myths About Buy Here Pay Here Dealerships

As I was doing some research for another article I am writing, I ran across 3 different articles about why people with damaged credit who were looking for a vehicle should avoid buying from a Buy Here – Pay Here dealership. I was amazed at some of the reasons they cited. It reminded me of some of the misinformation that was taken for fact during the debate on the 3 bills introduced to regulate the BHPH industry in California late last year. And, frankly, it made me a little angry.

I have compiled 6 of the “facts” listed in these articles. Here they are:

1. The buyer/borrower can expect to pay in excess of 30% interest at a BHPH lot.

There are, of course, still dealers out there who charge the maximum rate allowable in their state but they are a minority. Various sources list the average interest rate at BHPH dealers slightly above or below 20% APR. Compare this with the average interest rate for all Deep Subprime (FICA score below 549) loans of 17.9% and Subprime (FICO scores of 550 – 619) at 14.4%. Because BHPH dealers lend their own money to people who generally can obtain any other financing, 28% seems fairly reasonable.Many dealers charge far less than 28%. 

2. Further, the dealer will try to get a down payment that is close to what he paid for the car. In other words, the down payment will cover the majority of the cost of the car. The payments and interest paid by the borrower are primarily profits to the BHPH dealer.

This is just old information. When Buy Here – Pay Here was first established in the 1950s, the typical business model was to require a down payment equal or close to the total inventory cost of the vehicles. However, the dramatic rise in wholesale vehicle prices coupled with the limited budgets of the average BHPH customer rendered this nearly impossible decades ago.

The interest collected rarely represents any substantial profit to the dealer. Interest collected is used to offset bad debt charge-offs. The risk assumed by the BHPH dealer is high and repossessions and charge-offs are a part of this business.

3. There may not be any warranty for breakdowns or expensive repairs. If the dealer includes a warranty, it may come with conditions such as a high deductible. If money is tight for the borrower, paying for repairs and continuing to make payments becomes very difficult.

OK, these statements are literally true. However, the writers imply that warranties are rare and, when problems arise, the customer is left on their own to figure it out. This just isn’t true at most BHPH dealerships today. 

More and more dealers are offering some kind of warranty with the vehicles they sell and many more have optional service contracts available. Products such as these that are specifically designed for BHPH dealers and the vehicles they sell continue to be more readily available at more reasonable cost. Competition alone continues to expand the number of dealers offering some kind of mechanical protection to their customers.

One of the single, most universal truths of the BHPH business is that, “When the car stops running, the customer stops paying”. BHPH dealers have been aware of this since the dawn of the industry. Most dealers will work with customers in the event of a breakdown to get the vehicle repaired and keep a good customer in the car and paying.

4. A late payment can result in extra charges or repossession. There can be late charges, immediate repossession or termination of the contract.

This one is also true but the implication is that BHPH dealers do this while banks and finance companies don’t and that is just not true. Any financial institution can, and does, add late fees, accelerate contracts and repossess collateral for delinquency and default on the contract.

Most of the articles I looked at also implied that BHPH dealers did these things as part of their business plan and at a far higher rate than other lenders. That is not accurate, either. There are many BHPH dealers who do not charge additional fees for late payments. They believe that having a late fee that applies after a certain period establishes a grace period in the customer’s mind and don’t want to create that impression. Most dealers who do not charge late fees also understand that it is difficult enough to get their principal and interest payments from customers with limited economic means, much less trying to get addition fees from those limited budgets. We’ll address repossessions in the next point.

5. BHPH dealers use a standard operating model to turn a car over five times a year. That’s why it’s hard to determine the size of this market, except that it is growing.

There are still a limited number of dealers who practice “churning”, that is, repossessing cars quickly and reselling them numerous times. This is one of the practices cited most often as one of the reasons the BHPH needed regulation during the debate over the 3 bills introduced in California. The issue is that the articles I read and the arguments in California declared that this practice was common, even a standard practice in the industry. This just isn’t true and even the worst offenders would have a hard time reselling the same vehicle 5 times in 12 months.

Most reputable BHPH dealers understand that their goal is to help each customer get to the end of their loan and pay it off. Most dealers understand that it is better to work with a customer who is trying and willing to work with the dealership than to repossess vehicles too quickly. It doesn’t happen with every deal but repossession should be a last option, not the first move a dealer makes with a delinquent customer.

6. The BHPH auto industry is not regulated and doesn’t commonly report its sales or payment history to outside sources

Unregulated ??? This one almost made me laugh. Here is a short list of some of the laws and regulations BHPH dealers must comply with:

  • State & Federal Unfair & Deceptive Practices laws
  • State Usury laws
  • The Truth in Lending Act
  • The Fair & Accurate Credit Transaction Act
  • The Used Car Rule
  • The Privacy Rule
  • The Safeguards Rule
  • The Disposal Rule
  • The Red Flags Rule
  • The Risk Based Pricing Rule
  • The Fair Debt Collections Practices Act
  • and many more

As far as reporting payment history to outside sources, more BHPH dealers now report to the credit bureaus than ever before in the history of the business. Reporting to the bureaus is quickly becoming a standard for the industry, not an exception.

The Buy Here – Pay Here industry has long lived under a black cloud. These misconceptions represent just a few of the ones that have damaged the reputation of an industry that provides a valuable service to our communities and the segment of the population that we serve. Industry organizations such as the National Alliance of Buy Here Pay Here Dealers and the National Independent Automobile Dealer Association have and continue to work hard to overcome this stigma. It is important we all do whatever we can to shine the spotlight on the best and brightest in our industry and highlight the positives.


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Detailing your Interior

Tips for Auto Detailing Your Car Interior from Orlando Car Deals

Buying your very own car is a huge financial investment. Hence, it is very necessary to provide proper auto detailing to properly maintain it and ensure that all parts are in tip-top shape. 

One common mistake that car owners commit though is to focus their maintenance care on the exterior and completely neglecting the interior of your vehicle. But detailing the interior is so simple that you can do it yourself at home; hence, saving you potentially thousands of dollars from not hiring a professional to do it on your behalf. 

D I Y Interior Auto Detailing 

Car detailing is a simple procedure that requires no previous skill or expert knowledge. However, you need to follow proper instructions when doing your own interior auto detailing to ensure that the job is done correctly. 

You need to start by gathering the tools and equipment you need to make the job easier. For your own benefit, come up with a checklist for all the essential tools you need before getting started to save yourself from hassle and get the job done easily. The list of basic tools you need are outlined below. 

Once you have the tools you need for the detailing job, then you must follow the step by step procedure (also outlined below) to achieve the same professional detailing results without the staggering costs. 

 
Gathering Your Tools and Equipment

Most of the equipment or tools you need to perform this job are available in your household. Hence, there is no need to purchase them unless necessary or not readily available. The complete list of equipment you need are listed below:

• vacuum
• carpet shampoo and shampooer
• window cleaner
• brush
• microfiber towels
• leather cleaner
• detail spray, etc. 

Step by Step Procedure

To get you started, you need to remove all loose particles from the vehicle's compartment. Make sure it is free off any litter or foreign substances left behind, such as empty plastic bottles or cups, cigarette ashes, or any form of garbage. Once you have removed all visible litters, then you can take off the floor mat to begin cleaning out the interior.

Use detail spray to clean out the ashtray on your vehicle. If there are any unpleasant odors left behind, then you must use deodorizer. Use a compressor or microfiber cloth to eliminate any build up of dust or air, especially in the air vents. 

Then, power on your vacuum to ensure meticulous cleaning process and remove dust particles or other minute objects that are not easily visible to the naked eyes. Vacuum all parts of the vehicle's interior – from the seats, seat cracks, headliner, floor, door panels, cup holders, etc. 

In cleaning the seat covers and floor mats, make sure to remove it and wash it off separately using water and shampoo (or detergent). Once you have completely washed the car interior compartments, then you can put them back on for you to enjoy a seemingly brand new car interior.  

Word of Warning

You need to understand that detailing is another form of maintenance care. Hence, this must not be done one-time only but on a regular basis to ensure that you can retain the same quality and appearance for your car's interior as if it were brand new. However, interior auto detailing must be given equal priority as you would when caring for your exterior. In the end, you will benefit from it since you will enjoy comfort and longevity from your vehicle. 

HISTORY OF THE HONDA CRV

Honda SUV's Like The Honda CR-V Can Be Traced Back 

One of the most popular Honda SUV’s on the market is the Honda CR-V, which is considered to be what is called a ‘crossover’ SUV. This Honda SUV is a car that has an SUV or sport utility vehicle look but is assembled on a more economical construction. The Honda SUV, CR-V, was ‘copied’ from the extremely popular Honda Civic in order to meet a growing demand for a SUV made by Honda. The letters CR-V stand for “comfortable runabout vehicle” and comes with either front-wheel drive or all-wheel drive.

The very first Honda SUV that was planned ‘in house’ by Honda was the CR-V in 1996. While there was considerable uncertainty as to whether or not this type of Honda SUV could sell as well as it’s forerunner, the Honda Passport, the CR-V was introduced to the US market in 1997. The CR-V has consistently maintained exceptional sales ever since.

The first CR-V was designed and produced from 1996 through 1998 known as the LX model trim. Attractive features included rear-folding seats, a picnic table stored in the rear floor and plastic covered front and rear bumpers as well as fender wells. The next model CR-V was on the market from 1998 to 2001 and didn’t change the body style but increased the engine power from the original and was changed to an engine that produces 146-horse power and additional torsion. The beauty of this increase was that it did not affect the fuel consumption or price of the car.

The next line of Honda CR-V’s was from 2002 through 2005 and the build of this Honda SUV was given a complete restyling based on the most recent Civic model. The new CR-V was also given a more powerful engine with 106-horse power and increased torsion. This new engine still offered the same fuel economy as the previous Honda CR-V models. This Honda SUV was awarded the Car and Driver magazine’s award for best small SUV of 2002 and 2003.

In 2005, the CR-V received only a minor model change with 16-inch wheels instead of 15 inch, which has been on the earlier models. The taillights were also changes from the color amber to red and white. The 2005 CR-V was also equipped with front and side airbags, anti-lock brakes and side-curtain airbags. While the next CR-V model has not yet been unveiled, many are guessing that the new model will have more power in addition to the option of having an onboard navigation system.

Make sure you check out the exciting new 2006 Honda CR-V at Honda dealers now!

Chevy Surburban

Chevrolet Suburban – A Smart Choice

Something that also brought a bright future for Chevrolet is the Chevrolet Suburban keychain. This is a keychain range which consists of seven extremely well crafted designs. The ranges offer two colors. Both the colors are universally liked by Car and speed lover i.e. black and silver.

Chevrolet Suburban is the largest Sport Utility Vehicle (SUV) from Chevrolet. This company has been there in United States since 1935. Chevrolet Suburban was first introduced as the Chevrolet Suburban Carryall in 1935. Suburban has been produced under this name for a most anticipated and bright future for Chevrolet.

If you are not too much into style and want something simple you can go for the Chevrolet Suburban leather silver keychain or for the Chevrolet Suburban leather gold keychain. Both the keychains are set in absolute black leather of the best quality and gives you that posh look.

If you are someone, who wants to look different you can go for the Chevrolet Suburban metal oval keychain. This has a mosaic look at the base and a black circle on top, which makes it unique.

If black is not the color of your choice then this range has three silver keychains. These three keychains are very different from each other and each has an appeal of its own. The Chevrolet Suburban valet key chain and the Chevrolet Suburban teardrop key chain have that perfect look for those, who like to leave their keychains hanging from pockets, or who like to use them as zipper accessory.

The best of the lot and the most unique is the Chevrolet Suburban Steering wheel keychain. This looks like a real steering wheel and is tiny and yet is very attractive. For people who love to sport that speed look, this is a great accessory to have.

The Chevrolet Suburban Chrome circle keychain is another design which is there for those who love simplicity and black. All the keychains can be engraved with anything that you want.

The key chains are ones with novelty that will keep the keys in order and in style. They are beautiful pieces of art. The silver key chains have a solid ring with the logo and Suburban written on it. The name and logo is a perfect harmony with the Chevrolet Suburban keychain. The key ring is made of extraordinary quality of stainless steel. It is definitely an excellent piece of accessory that should be bought.

Chevrolet Suburban key chains make a wonderful gift to the guests and friends. It is unique and people can use and take them wherever they go. You can get anything you want engraved on this and give it that personal touch. If you own a Chevrolet car, this makes your car and your look complete. It gives you the custom made finish with all that you want engraved behind it, and all this for a cost of just a few pounds.

Confused about what to present your son, neighbor, husband or boss, give them one of these key chains and you are sure to make their day.

Maintaince makes a difference

Prevent Costly Damage To Your SUV's Cooling System

A car’s cooling system always has a tough time doing the job it has that it was designed to do – carry off excess engine heat.

Rust may clog the passages of your radiator. Why chance expensive engine damage or the ruin of a vacation due to unnecessary radiator damage. Radiator inefficiencies due to simple neglect of maintenance and prevention.

Rust may clog the passageways of your car or SUV’s radiator. Hard water deposits a scale much like the mineral scales that clog your coffeemaker, humidifier or kettle at the lake cottage. These mineral scale deposits reduce heat transfer in your radiator. Simply put your radiator will not be able to cool your car engine. Your car or SUV will   overheat. Your car engine, trip vacation at least your day will be inconvenienced and perhaps ruined. Even more if two different metals touch inside your radiator system them electrolytic corrosion can and will occur. Further trouble and radiator damage is possible.

If conditions are ideal or more than ideal for rust to form – rust is guaranteed to form and deposit in the waterways of your vital radiator. Rust makes up about 90 % of all solids that can choke up the water flowing areas if your radiator- including the water storage “water jacket” areas.

Scale is a deposit of the solids left by the evaporation of the water and radiator antifreeze. These scales that are formed and deposited in your radiator and cooling system are very similar to the scale that forms inside a teakettle or coffeemaker after the boiling of hard water. What the solids are composed of depends upon the nature of the water itself but they most commonly include calcium carbonate, calcium sulphate and magnesium oxides.

Electrolytic corrosion can result from soldered seams in older style copper radiator, copper gaskets in contact with other metals, brazed joints in steel tubes and imperfect plaiting on steel or other metal parts. An electrolytic current is set up and the metal most active electro chemically slowly dissolves.

What can you do to prevent all this damage to your radiator and the grief and costs involved? As always the key words are prevention, prevention and prevention. An ounce of prevention is worth kilograms of cure.

Radiator saboteurs can be averted by radiator cleaners and inhibitors used properly. You will prevent most of your troubles in your car of SUV’s vital and expensive to repair cooling systems.

Fall and spring cleaning of a cooling system should always include- clearing out rust and scale with a chemical cleaner. It never hurts as well to have a competent auto repair shop conduct a thorough flush of your radiator. Basically your car’s radiator is flushed “backwards” with a strong flow of coolant to remove heavily trapped sediment and that horrible scaling. Lastly and in addition during these cleaning and preventative maintenance procedures you should insist that a radiator rust inhibitor be added to your radiator coolant. A Radiator Rust Inhibitor is a blend of rust inhibitors, lubricants and biocides that restores rust- and oxidation-inhibiting properties to coolant, promoting cooling system life. Furthermore, it provides lubricant to coolant that reduces and eliminates water pump noise.

All in all isn’t maintaining your car’s cooling system an investment in your time and energy?
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