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

Read The Advantages To Getting No Credit Car Loans

Transportation is essential, and while there are other methods to get where you need to go, it’s important to have what you need at the ready. However, if you’re also struggling to raise your credit or have no credit, how can you get qualified for a loan? That car you’ve been looking at for so long is now within reach with no credit car loans. In Orlando, we have you covered at Orlando Car Deals. We offer you the advantages in the situation where you have no credit but need transportation to get where you need to go. We provide the conveniences and ease to get a loan without having to worry if you’re being scammed, and set you up for success.

No Credit Car Loans?
With self-explanation to its name, having low or no credit automatically qualifies you for this loan. This means having no credit history, limited history, or poor credit. The advantage or this loan gives you the ability to purchase the car you’ve wanted. In the position that this is your first time purchasing a vehicle, this loan will also help establish credit! In the future for other needs with a good credit score, you have the support you need to be qualified. Or perhaps you’re seasoned or been a victim, you’re still able to get behind the wheel.
Other conveniences of this type of loan is that the rate is significantly lower, due to the nature that car payments are less likely to be ignored due to its demand. Another pro is that no down payment is required, cash or no cash. All you have to do is demonstrate your ability to pay the loan back on time and in full.

How to Avoid Scams and Find Legitimate Companies
Should you receive an offer or before you accept a loan, investigate through Better Business Bureau. If the company is trying to scam you, BBB will have a record and provide the necessary information for you to determine if the company is legitimate. There will also be any complaints against a company, should any exist.
If the company looks legitimate and you feel it isn’t a scam, pay attention to the line of communication. Most especially with online lenders, always make sure there is a way to get and stay in contact. Only phone numbers and street addresses, never P.O. box or email. It is too easy to hide virtually and become non-existant. Be wary of any pre-approval fee or down payment that is “said” to be required. Odds are you aren’t dealing with someone who has your best interest in mind.

Stay Ahead in Orlando
With Orlando Car Deals, we offer the conveniences, communication, and certainties of getting a new car. Never worry about transportation again in Orlando with no credit car loans. With poor history or no credit history, we can get you back on the road. If you are serious about getting behind the wheel, we can help you reestablish your credit again and help you with your goal for future credit history.

Top Tips On How To Navigate Bad Credit Auto Loans

Unless you are able to buy your car in cash on the spot, it is key to have a pre-approved loan in place before you get anywhere near a car dealership. A dealer may be able to find you an affordable financing package, but they have no incentive to do so unless you have something previously arranged that they have to beat. While it can be highly convenient to purchase a car and get financing at one location, it’s a dangerous choice if you have bad credit. Read on to learn more about some tips on bad credit auto loans and how to secure a great auto loan no matter what your financial situation. Orlando Car Deals is a top used car dealership in Orlando. Call Orlando Car Deals to purchase a car today!
How To Get Bad Credit Auto Loans
If your credit line is not stellar, it is key to have a financing package in place before you get to the dealership. The reason is because dealers make a significant portion of their earnings from marking up the interest rate on loans they arrange. In the majority of states, they are not obligated to tell you how high that markup is. Paying for convenience is fair to an extent, but overpaying for privilege is a waste of anyone’s money. A dealer can be tempted to set you up with a financing package that profits them the most, if they’re not competing with a pre-approved offer, rather than providing you with the best deal. The goal of a car salesman is to sell you a car, and having any consideration of your ability to repay the loan will take a backseat to that endeavor.
Where To Get A Car Loan
Luckily, there are a lot of places to get a car loan, even if your credit isn’t stellar. However, some will be more affordable and financially safer than others. Here are a few of your options:
Large national banks- Big banks have the resources to offer a broad range of services at a broad network of branches. Generally they have comprehensive websites where you are able to apply for car loans. What they often lack, however, is a personal touch and flexibility to work with borrowers having bad credit
Credit unions- Credit unions are member-owned, not-for-profit cooperatives. Rather than paying dividends to shareholders, they give their excess earnings back to members.
Community banks- Does not have all of the services of larger banks, but smaller size allows more flexibility with challenged borrowers.
Online banks- Online banks can offer more affordable loan rates, but lack the personal service and counseling needed by some borrowers.
Finance companies- Solely in the loan business, finance companies often work with consumers with bad credit, but can have varying business practices.
Independent websites
Car dealerships
Contact Us Today
There are certain things to keep in mind when it comes to navigating bad credit auto loans. Orlando Car Deals is a top used car dealership in Orlando. Call Orlando Car Deals to purchase a car today!

Ways To Pick The Best Insurance After Auto Sales

Having gotten the best Orlando auto sales, you should switch attention to getting the best car insurance. Only an excellent car dealer can provide you with suitable insurance for your car.
When choosing car insurance becomes an issue, Orlando Car Deals is the best option for you. We can help provide information on insurance and help you make the right selection. Let's explore details about finding excellent insurance for your car.

Comparing Car Insurance Rates and Why You Should Use Orlando Auto Sales
Many often see the task of comparing car insurance rates as a tough one. Unless you have help comparing the rates, you’ll likely find this task harder than usual. This process starts with getting quotes and starting a simple comparison of the premiums for individual starting points.
The comparison should focus on insurance options that have the same policy. The amounts should be fairly similar, and should cover the same features. While you might want to cut costs, you should take note that the cheapest option won't offer enough protection for your property. Therefore you should consider those that offer discounts. That's the best way to save costs.

Essential Facts about Car Insurance
There are a few important facts about car insurance you should pay attention to when making your selection. When selecting the best car dealer near me, ensure you compare their car insurance rate company by company. Rate is not the most important thing to consider, however. The cheapest is not always the best option, and the most expensive is not always the best option.
What kind of service do they offer? Will it help you save more by offering more protection? A little research on the best option in your location will give you a clear picture of which option to pick. Only when you compare all these factors can you find the best option. Without comparing, selecting the best will be hard. To make the comparison more comfortable, we have trimmed down the critical thing to focus on below.

Comparing Insurance by State and by Car Dealers Near Me
It is good to note that the laws delivered in each state differ. This should influence your decision. Focus on what your state offers, consider the minimum coverage, as companies in the same state can have different offers.
You can also compare car insurance offered by car dealers near me based on the type of insurance. Some feature collision insurance; some offer comprehensive protection while some are trimmed down and specific.
When comparing car insurance offered by car dealers near me, you can also focus on the discount provided by each insurance company. There are options like good drivers, good students, etc. Find the one that works for you.

Contact Us
When it comes to picking the best insurance or getting a detailed comparison, you can trust us. At Orlando Car Deals, we deliver the best service. As a top Orlando auto sales company, we will help you pick the best car insurance. Learn more here!

Important Factors To Keep An Eye Out For When Purc

When purchasing a used car, you can only get what you bargain for, nothing more, nothing less. On most occasions, you'll have to do some renovations like changing the engine parts or even repainting the car. All these can only take place once you've purchased the car. When going for a brand new car, you have a variety of options. For me, the most important thing when looking for cars for sale is having a good car dealer near me, and if you're looking for one of the best car dealers in Orlando, Orlando Car Deals are just the right company to visit. 

Choosing a new car shouldn’t come with much stress, because the manufacturers of these vehicles include warranties on their cars to ensure that their customers can relax and purchase a product of their choice without much fuss.

However, it's a whole different case when you're looking for used cars for sale. Some of these used cars don't have warranties like brand new vehicles. Some car dealers don't even offer good car deals to their customers. However, car dealers like Orlando Car Deals give you good deals and make sure that you get value for your money. We will continue the emphasis on essential factors to look out for when purchasing a car.

What to Look for When Purchasing from a Car Dealer Near Me
It is not all about purchasing a car from a car dealer. Your first concern should be the body of the car. Since it's a legally used car, it is vital to look out for scratches and depressions on the vehicle's body. These scratches and depressions all over the body might indicate the car has been through a series of bodywork or, arguably, a road accident. It might not be a safe choice for purchase.

Depending on why you're buying the car, it's essential to note the vehicle's capacity to see if it suits your preference. If you plan on using it for transportation, then it's advisable to get a car with a capacity to accommodate people and luggage.

The door’s type should also be considered; power doors will be a preferable choice; test the doors to ensure they are okay. The glass and windows of the car should also be checked to ensure they roll correctly. Lights and tires must be in the right conditions as well.

Look Out for the Interior Parts
Check out all the car's interior aspects, from the seats to the whistle and bell system. The headliner should be in good condition, and the heating and cooling system must be working correctly.

Inspect Underneath the Hood
Now in driving, you need to consider your preference between manual and automatic. Not familiar with a stick shift? Then you should go for automatic. Also, check the engine type, brakes, and safety features put in place. Lastly, check the drive type.

Contact Us
If you plan on getting a used car and you’ve always wondered which car dealer near me in Orlando, Orlando Car Deals is just the place to get the best cars for sale. Click here to learn more about our services.

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]
Orlando car deals can get you financed , In House Finacing available on all of our cars. No credit check necessary.

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
10
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)

Shop At Buy Here Pay Here No Credit Check Required

When you’re ready to purchase a new car, one of the biggest decisions in the selection process is deciding whether or not you should buy a new or used car, and where you should go to get it. Purchasing a new car can be pricey, with a long-term loan that you will not be able to get out of for a long time, so for the majority of people purchasing a used car is the best, most affordable option. Next, you’re probably trying to decide what kind of dealer you want to buy your car from. There are lots of choices; a new car dealership that also has used cars, an individual who’s selling their own car through word-of-mouth or social media, or maybe you want to buy a car at a Buy Here Pay Here dealer. A Buy Here Pay Here dealer like Orlando Car Deals in Orlando is a fantastic choice for car buyers of any type, but especially for those who don’t have great credit, and/or want to go to a one-stop-shop to purchase a vehicle. When you purchase a vehicle at a Buy Here Pay Here no credit check is required! Read on to learn more benefits about the benefits of Buy Here Pay Here dealerships. Call Orlando Car Deals today to purchase your car!
At A Buy Here Pay Here No Credit Check Required!
It’s a fast car buying process- When you need to go through a third-party provider for your car loan, you’ll have to apply there before you can start shopping for your car. At Buy Here Pay Here dealerships, you can do everything in the same place, and the process takes half the time as it would take buying a car at a new dealership. It is also a lot quicker than buying from an individual since you need to get the car checked and take care of all the details on your own.
We want to finance your car- Even if your finances and credit have been great for a large portion of your life, it’s still possible that you may have hit a couple of bumps on the road in the recent tough financial times for our nation. Unfortunately, a lot of third-party auto financing providers rely on credit scores to prove trustworthiness, and if yours is not totally perfect, you may risk being denied. This can be a lengthy process and a hassle. Our firm knows that a car is often a necessity you can’t go without, so we assist people in all credit situations in getting a great used car with our financing options.
We can help with your credit score- Since we report monthly payments to Equifax, on-time payments can end up in an improved score over time, just like any other loan or credit card you may have. Our goal is to offer reasonable financing terms and conditions that work for you. We are here to assist in your financial future if we are able to.
More Benefits To Our Dealership
Low down payment options- If you’re unsure about having enough money to put a down payment on a car, here at our firm we accept down payments as little as $295! We can be more flexible about down payment options thanks to our in-house financing.
We specialize in used cars- Unlike new car dealerships that are focused solely on the profits of their new vehicles, we focus on used cars. We offer top quality inspection standards and vehicle reconditioning process, car warranties, and provide vehicle history reports with all of our cars at our Buy Here Pay Here dealership.
You can work with a local team- Orlando Car Deals, like it says in the name, is a dealership with a long relationship to the Orlando community. Our team prides itself on building relationships with our customers so that you can feel comfortable calling us with any problems that come up.
Contact Us Today
There are many benefits to shopping at Buy Here Pay Here dealerships like Orlando Car Deals. When you purchase a car at a Buy Here Pay Here no credit check is required! Call Orlando Car Deals to buy your vehicle today!

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)
4

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)
9
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)
10
• 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.
© 2020 MED-PASS, INC. AND HEATON RESOURCES (MARCH 2020)
11
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.
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