The College Scorecard was born of an Education Department effort to hold underperforming institutions accountable. But it would be a stretch, Katzman said, to credit Google for promoting accountability by surfacing the Scorecard data. For-profit colleges with underwhelming graduation rates and student-debt levels have been “some of Google’s largest advertisers” over the years, he said. “If Google really wanted to help solve the problem, they might limit advertising to the schools that had a better performance on the report card.”
Despite being one of the fastest growing segments in the auto sales industry, there is no official definition for “Buy Here Pay Here”, or “BHPH”, which often leaves it to be misunderstood. To put it simply, BHPH is when a car loan is obtained directly from the dealer and not a 3rd party, such as a bank or finance company. The payments are made directly to the dealer which has coined the term “in-house” financing.
Wolfram Alpha is the answer. Unlike Google, it doesn’t always go trawling the web for new information. Wolfram Alpha is a computational search engine, focused on creating new information (as well as answering all the banalities we still manage to think of). Unsure if it’s right for you? We’ve explored 20 ways that your everyday life is easier when you use Wolfram Alpha 20 Ways Everyday Life is Easier with Wolfram Alpha 20 Ways Everyday Life is Easier with Wolfram Alpha There is something about Wolfram Alpha. It makes complicated computations cool again. Here are 20 ways to put the engine to everyday use. Read More .
The only difference here is the customer’s shopping experience. At a traditional dealership, the financial conversation is often the last part of your experience. After you've seen a few models, asked a host of car questions, and possibly test driven one, the dealer will help you explore payment options. At a BHPH dealership, the process is usually reversed. The dealer will ask you a series of questions, possibly run a credit report, and invest in understanding your credit history before showing you available cars. Finally, with your monthly payment range and down payment information factored, you will be shown cars that are right for you and your unique financial situation.
How can you build or rebuild your credit if you can’t obtain credit? While it can seem like a vicious cycle and huge hurdle for many people with no credit, little credit, or even damaged credit, there are ways around it! A BHPH dealership like AutoMax, reports to the credit bureaus, which not only provides its customers with the transportation they need to live, but can also help them establish credit or rebuild damaged credit. A car retail installment loan is one of the best and fastest ways to improve a credit rating.
Wolfram Alpha isn’t the only Google alternative with a technical or specific focus. For instance, CC Search scans through Creative Commons-licensed media. Pipl is a powerful (and somewhat terrifying) people search engine. It tracks down user names, real names, social media accounts and more. Onion.link lets you search the dark web from your regular browser instead of having to install the privacy-focused Tor browser.
A BHPH dealership is great for first time buyers and buyers with low credit scores. BHPH dealerships are primarily designed for shoppers who may have experienced financial bumps and bruises. If you are a first time buyer, have low or bad credit, or if you have had trouble getting an auto loan, a BHPH dealership should be one of the places you visit during a car search.