When a special really isn’t that special

25 Mar

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When next you reach for a ‘bargain’ or a ‘special’ keep in mind that there is far more to these words and the way they’re presented to you than first meets the eye. Saving may be the last thing you’re doing when you pop into your basket a product that is ‘on special’. You might be the unwitting participant in what is being referred to as ‘retail theatre’. So, here’s the low-down on ‘discounted’ products.

Getting you through the door

The typical purpose of so-called discounts is to get customers into shops in order to sell as much product to them as you possibly can. But retail-industry veterans acknowledge that, in many cases, these bargains will be a carefully engineered illusion.

If you’re like most people, you probably think that retailers buy up stock and eventually mark down those items that have not sold; their profits taking a hit in order to make room for new stock. But you would be mistaken. That ‘discount’ that seems so impressive to you – that real bargain – has been planned for all along. This is so that no amount of discounting of goods will hurt a company’s profit margins. In other words, that pair of boots marked down by a whopping 50% was never meant to sell at its full retail price.

Cash loans for ‘bargain’ shopping

Now that you know that specials aren’t always that special, would you give up on ever buying another discounted product again – just because it was such a terrific special? Trends around the world suggest not. The manufactured ‘high’ of shopping for, and discovering 50% off on a particular item, seems to be too deeply entrenched in consumers’ psyche to put off bargain buyers, even once they know the truth about so-called specials. But the next time you’re waiting for those store doors to open and the stampede to begin, ask yourself this question: How do retailers manage to sell so much of their product at bargain, special and sales prices and still make such healthy profits? The answer: because that bargain special you’re headed for is, in truth, the intended full retail price.

Industry experts predict that bargain shopping is set to keep increasing as consumers attempt to cut back on non-essential buying. Despite discounts being priced into product anyway, retailers have cause for concern – increasing competition between brands and stores, could begin to hurt profit margins. Especially if they’re left with stock that doesn’t sell and are forced to resort to bigger, unplanned-for discounts.Cash loaners like Wonga that operate exclusively online are seeing more people using their service to grab a “discount” before pay day, so this trend shows no sign of slowing down.

New ways to set prices

Several retailers have, over the years, made less than successful attempts to move away from discounts and offer lower prices year-round. But narrowing profit margins has forced them to again offer these ‘deals’ in order to compete with other retailers. This has resulted in retailers marking up their goods in order to protect their profit margins when the discount or sale price is applied. For the consumer, this means that list prices are set well above where goods are actually expected to sell.

This is how it works: A supplier or manufacturer sells a shirt to a retailer for 14.50. The suggested retail price is 50.00 which gives the retailer a 70% mark-up. A handful of shirts sell at that price, but more sell at the first markdown of 44.99, and the bulk sell at the final discount price of 21.99. That average unit price is therefore 28.00 – a 45% gross margin on the product.

This sort of ‘retail illusion’ is a relatively modern concept. Pre-1970s, most items were sold at full price, with a limited number of sales to clear unsold inventory, but in the 1970s and 1980s, as retail business boomed and more and more brands and stores hit the high street, retailers were forced to look for new ways to stand out from the competition and continue to turn the profits.

Silly season

Ironically, it was the result of increased competition, that has seen bargains, specials, sales and discounts become part of a shopper’s everyday life. And you don’t need a financial expert to tell you that we as consumers are paying far more for products than we were in the past when sales and specials were a rare occurrence because the initial prices of products has increased.

The way to a good deal

The best way to avoid spending money on a discount that just isn’t a good deal is to carefully note down what you ‘need’ versus items that you ‘want’. Never buy something that isn’t on your ‘need’ list just because you believe you’re getting a good deal. Plan your spending where you can, a strategy that should see you relying less often in an emergency on a cash loan providers like wonga.

Finance Copywriting – A Hot Commodity in Today’s Market

25 Mar

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Finance copywriting is a form of copywriting for monetary markets. In other words, something obtaining to do with funds and techniques to make income is the type of content written by a person that specializes in finance copywriting. With the economic climate as shaky as it is been in current years, you would not consider a lot of men and women would be reading significantly about the stock market, investments or finances in common even so, it really is fairly the opposite. Folks want to make cash and are prepared to “read all about it”. Why not be the one who’s there to inform them about their income-making potential?

A Understanding Knowledge

Finance copywriting is not only a way to make an excellent salary but also gives the writer an superb opportunity to learn far more about the monetary planet. There are many who feel finance copywriting is one particular of the largest industries in demand these days. There are absolutely a lot of opportunities out there for a person specializing in finance copywriting. Amazon.com alone gives more than 2, 200 monetary magazines on their website.

If you’ve ever gone to your neighborhood library and checked out the finest seller lists, you’ll probably always find anything about either personal finance or investing on the list. If you never occur to see them on the greatest seller list 1 week, you will undoubtedly see them throughout the shelves, no matter whether you’re truly in your library or the regional book retailer. There are numerous areas where finance copywriting is used routinely including, but not limited to, the following:

Monetary Markets
Mortgage brokers
Mutual funds
Coin Dealers
Publicly traded firms
Monetary magazines

Job Security

This is just a modest list of financially oriented firms or groups that use the services supplied with finance copywriting. Folks want to make cash and are trying to find out techniques to make as significantly income as feasible. Due to the fact of this, if you pick a career of finance copywriting, downsizing will not be a concern for you as your solutions will always be in want. There will usually be a demand for this as folks are often interested in investments.

Income-Producing Possibilities

What numerous individuals do not understand about finance copywriting is that copywriting for monetary groups or companies may bring in a excellent salary if you are employed often. It also offers other cash making opportunities. By carrying out this for economic institutions, you happen to be going to be on best of what is going on in the economic world and are privy to investment possibilities and what’s hot and what’s not. As long as the monetary specialists, analysts and firms are producing money, they’re going to want somebody to be performing their copywriting so they can continue to sell their merchandise. In numerous areas of business, finance copywriters make income when they make funds. The much more you can understand about the financial finish of finance copywriting, the far better your chance to make income undertaking it.

Difference Between Bridging Loans and Bridging Finance

24 Mar

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Practically everybody calls for a loan at a single time or an additional. But there are a number of various kinds of loans that you can pick from. If you have been advised bridging loans or a bridging finance, you have to know the distinction between them. So here goes.

Bridging finance is normally supplied to significant contractors like home developers who will get typical infusions of cash from clients who have purchased house from the developer. That means, bridging finance can aid a developer full his project with money from the bank whilst being reimbursed by buyers. These loans are far less risky for the lender as the house developer or borrower will get a assured income from buyers. The rate of interest is reduce also and the lender knows that there is home attached to the loan which can be used as surety in situation the borrower does not pay.

Apart from house developers, residence owners who are arranging to sell a house and buy a new one particular can do so with bridging finance too. The bank will advance the money for a reduce interest rate than marketplace rate to get a new residence while they wait for the payment from selling their own residence. The actual time for the bridging loan will differ according to the terms set by the bank and the borrower. The identical procedure is also employed by stock offering companies and bond dealings. There are a lot of varieties of bridging finance bargains in the market but hey can usually be divided into closed and open bridging. Terms of these loans vary only for the closing dates of the loans.

are brief term loans that are offered to consumers for 2 weeks to 3 years. These short terms loans can be extended to businesses or individuals. Prices of interest even so for these loans will be considerably higher than the market place rate to allow the lender to recover expenses. There is also an extra risk to the lender since of the short term of the loan. Most lenders will demand a credit examine to make sure that you are financially fluid, cross amortization, and they will also set a lower loan to value ratio to guard themselves and their investment. You can close these loans more quickly but there will be a essential payoff after a certain period of time. The most frequent variety of bridging loan is offered by banks to new organizations. These loans will tide over cash flow issues and they can be returned and closed when the difficulty is solved.

Group Versus Person Term Life Insurance

24 Mar

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There are numerous perks that come along with safe employment. Along with job security and your salary, numerous employers also supply group life insurance plans as element of the rewards package. Group insurance policies are provided by the firm / employer to their personnel. The cost of such a policy is spread over a big group and can offer an array of positive aspects and cost savings to the members of the group.

Group insurance in other words is a single insurance policy that covers a specified group of folks. These could include workers of a company or even members of specialist organizations. The policies could also contain dependents of the members. The notion behind a group policy is to have a greater group of individuals over whom the risk of claims is spread. Even though everybody pays the very same premiums right here, you could have members with diverse well being circumstances (some could have above average wellness and other individuals may possibly suffer from ill wellness).

Group insurance could advantage a organization in numerous methods. It could minimize absenteeism in cases of illness, boost productivity, lessen all round liability of the company or organization and develop up relations between employer and employee. Over the past couple of years, rates for group insurance have decreased drastically. Premiums are divided among the employer and employee but the option of program is produced solely by the employer. As a result, it is imperative to make sure that they are aware of what you want and take all possible factors into consideration just before deciding on a group policy.

For those who have difficulty qualifying or acquiring coverage on their own, then a group policy is an outstanding alternative. For these who have beneath average health, are older and require an insurance policy that asks no inquiries, a group policy is the very best alternative. The one particular main drawback regarding group life insurance is that coverage stops when you leave your job. And in the unfortunate occasion that you have to leave your job due to a significant illness or disability, you will be unable to discover new insurance at that point. For that reason, if you are young, reasonably healthy and are looking for coverage for a guaranteed amount of time, an person strategy might be a greater decision for you.

Person insurance is a single insurance policy that covers only one individual. Policies obtainable could be phrase insurance(exactly where the coverage is fixed for a specified period of time – ranging from one particular to thirty years) and whole life insurance (exactly where the policy holder is covered for his/her complete life). Term life insurance is less high-priced as compared to a permanent life policy as it has no investment rewards attached. Death positive aspects can be claimed to offset funeral expenses, pay off pending debts and appear after the family’s expenses right after the policy holder’s demise.

Differences among Group and Individual Insurance

Group policies are not based on individual wellness. Irrespective of factors such as health circumstances, gender, age, and so on. everybody in a group policy is grouped collectively in one category. This works in favor of these who suffer from ill wellness or who are older. But for those members who are young and nonetheless wholesome, they might end up paying more than is required for their coverage. An individual term life policy for a non-smoking, wholesome applicant could be up to fifty instances more affordable than a group policy premium.

Group costs also tend to improve when a member enters the subsequent age bracket and the prices are not guaranteed either. Person term insurance can be fixed to stay level for specified periods of coverage. In situation you leave your job or your employment is prematurely terminated, coverage in a group policy can’t be carried on to your subsequent job and the charges to then convert to an individual plan can be prohibitive. Individual term life policies are normally guaranteed renewable. Dependent on the variety of insurance policy opted for you could even tailor your program to meet a host of distinct demands.

At the finish of the day, what is most important is that you take out an insurance policy – no matter whether group or individual and thereby offer a safe future to your loved ones and loved one. Dependent on your individual situation and taking all key aspects such as age, wellness, healthcare background and occupation into consideration, you need to function in conjunction with your agent or insurance provider to reach a nicely-informed selection with regards to what your very best insurance policy alternative would be.

How to Stay away from 7 Typical Blunders When Investing in True Estate

23 Mar

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Error 1 – Usually being in a rush.

There are folks that come up with an inspiring concept, and sit on it. There are others that come up with an inspiring notion and jump into implementing it right away with total enthusiasm. Over-excitement nonetheless, can create expensive errors. For example, I’ve observed a friend get so busy running about from 1 home to the next, that when a single of her units became vacant, she just rushed through the screening process! No credit checks, no employment checks, and no reference checks. And when the tenant suddenly stopped paying rent because he in no way truly had a job in the first place, she was in trouble and went through a painful procedure of obtaining rid of that tenant. This could’ve been totally avoidable if she just slowed down, took her time and properly screened her tenants.

Lesson Discovered – Slow down, do your Due Dilligence!

Mistake 2 – Thinking True Estate is Passive.

True Estate Investing is a organization, and each and every business is an active company. Every property you buy is it’s personal company, with income and costs, with assets and liabilities. You need to examine your balance sheets on a normal basis, and take pro-active actions to make confident you don’t go into the negative. Take handle of your properties, don’t just buy, hire a manager and forget.

Lesson Discovered – Be proactive, Handle your managers!

Mistake 3 – Not getting a plan.

After you get into real estate, commence acquiring properties and meeting other investors, there will be TONS of new possibilities coming your way! But how do you know which a single you ought to take and which chance you must stroll away from? By possessing a program! Compose down what your genuine estate targets are, break them down into objectives and produce a plan for your self and your partner(s). The most important issue is to in fact stick to it! Discover a approach that operates for you, and stick with it. Concentrate!

Lesson Discovered – Focus by possessing a program!

Error 4 – Choosing a property by only its price tag.

There’s a common method getting taught along the lines of “Make your funds on the purchase”. One particular of the approaches to make funds on the get is to acquire below-valued properties. But worth is not usually defined by price only, and as well a lot of men and women turn into obsessed with inexpensive properties. Sure, you can buy a little developing for $30K/unit in Windsor, Ontario, but at what expense to you? Are you ready to deal with dilemma tenants? With run-down neighbourhoods? With main renovations? So prior to going out and acquiring up low cost properties, define your excellent tenant profile. Then, employing your excellent tenant’s needs and wants, define the type of home they’d like to reside in – and focus on that sort of property.

Lesson Learned – What type of properties would you like to handle?

Error 5 – Doing it all oneself.

This 1 is creating on error number one particular of always becoming in a rush, simply because if you are a 1-man-show, then you most likely are always in a rush. Genuine Estate is a business, and a organization signifies having systems and a team to keep the organization operating. Otherwise you are just self-employed. If you can’t remove yourself from your organization for a week without it crashing, then you do NOT have a business. To develop a portfolio at a decent speed, you want a group to support you with your genuine estate wants. This contains a real estate agent, a mortgage broker, a attorney, accountant, bookkeeper, handy-man, contractors, and so on.

Lesson Discovered – Develop your group.

Mistake 6 – Relying on others and missing numbers.

When creating an offer you, do you rely on the seller’s agent’s expense statement to make your obtain? Do you do your personal homework on the numbers for that home? Do you know the neighbourhood marketplace rents? Vacancies? When analyzing your subsequent buy, you must not rely on other individuals for the appropriate revenue/expense statement. Usually verify leases, add a vacancy rate, add a management fee (even if you commence by managing yourself), a maintenance fee, a reserve fund, and so on.

Lesson Learned – take responsibility and verify the numbers oneself.

Mistake 7 – Waiting for a home run.

Are you nonetheless waiting for that best deal? For that best cash-flow? Those best tenants? That ideal price? Although you wait, I’m going to go ahead and maintain buying (nearly best) properties. 1 of the best bargains we’ve bought was developed for the duration of the negotiation period. We decided to make an provide though it was only an OK deal, since there had been some major renovations to be accomplished, and the tenants seemed troublesome. Following considerably discussion, we decided to give it a try anyways – and placed an provide on the home. We were happy to have negotiated a 10% off the asking cost, but walked away in the middle of the inspection – simply because we decided that the quantity of function was just not worth it! Lastly, the seller came back to us and asked us what we wanted fixed- and when the seller poses that question, you ask for anything and every little thing! And we did, we asked for each single factor to be fixed -the roof, the furnace, the broken window, and so on. We even asked the seller to kick out some undesirable tenants! Needless to say, we finally closed on a home in outstanding situation, and had been capable to improve the rents by 15-20% correct away since the apartments were vacant.

Lesson Learned – bargains are created, not handed on a platter.

Emerging Markets and More than Seas Investing – Personal Finance Book Review

23 Mar

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If you are going to do international investing correct now, where would you most likely want to put your cash? There are some economies that are increasing rather rapidly, and if you are careful you could make fairly a bit of return on your money, even as the US economic climate has very slow growth correct now, and it may possibly not take off once again if we get a double dip recession.

That’s not to say that the US economy is not a risk-free location to place your income, it completely is and if the economic climate continues to grow, so as well will your investments. Nonetheless, why place all your eggs in a single basket when nations like Brazil, Vietnam, and China are screaming along quite nicely? Perhaps, you may well like to read a little bit on this to help your individual finances. If so there is a extremely very good book I’d like to suggest to you, the name of the book is

“The Book of International Investing Everything You Need to have to Know About Investing in Foreign Markets,” by John A. Prestbo and Douglas R. Sease

If you get pleasure from books by Mark Mobius, and perhaps, Jim Rogers, then you will absolutely get pleasure from this book as effectively. Even though this book is not new, the identical fundamental ideas apply to our recent time. Why not grow to be a value investor, and do a small speculation in international economies which are experiencing excellent growth right now?

I’d advise this book to anyone that wishes to diversify and invest in emerging and/or overseas markets. In reality, I have a copy of this book my private library, and I frequently pull it out and read a chapter or two just to remind myself that the United States is not the only game in town. We reside in a international economic scenario now, and we ought to be investing that way. Please consider all this.

How Do Agents Get Life Insurance Leads

22 Mar

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Life insurance firms are taking advantage of the Net by getting a website exactly where buyers can request free quotes. Even even though you are purchasing for life insurance, this also offers the agents leads that they can comply with up on, Once you submit a request, the agent that picks it up will send you an e-mail giving you a quote. He/She could stick to up on the lead by generating a get in touch with to you a few days immediately after you obtain the quote.

Creating a living in the life insurance business is hard perform. Agents have to continuously search for great life insurance leads that will bring them in new customers. They make a commission on each life insurance policy that they sell. They never typically go door-to-door selling the policies and they cannot just sit in their offices waiting for consumers to come by means of the door. They actively pursue all the leads hoping that some of them will pay off. Much more than likely the quote you receive is the lowest life insurance rate that the business offers.

When you request quotes from at least 3 life insurance companies, you want to get the lowest rate. When the agents contact based on the leads you provide, you can barter with them saying you are not interested due to the fact you have a reduce quote. If they truly want your business, the agent may redo the quote and come back with an even decrease rate.

One more way that agents get life insurance leads is by means of other clients. One customer might tell a buddy or family member about the great rate he/she has gotten from a business. Then this particular person offers the agent a contact concerning receiving life insurance and purchases a policy. It’s like a never ending cycle. 1 individual tells another and that particular person tells an individual else and so on.

If you’re a life insurance agent then life insurance leads are your lifeblood.

Insurance Claim Supplements – How to Submit Claim Supplements

22 Mar

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A claim supplement is a claim for additional repair or replacement costs. Supplements are commonplace in the claims method. Even so, if you are a policyholder unaware of your policy rights, you could be walking away from hundreds or thousands of dollars that you are entitled to collect.

Claim supplements generally happen right after a policyholder submits a claim, gets paid and gets the repairs or replacements completed. Then, extra damage is found some time later.

Several men and women erroneously think that, when the claim is closed, it cannot be re-opened. And, insurance organizations and their adjusters normally never rush to inform you how to submit a claim supplement. So, what to do? Let’s look at automobile insurance claims and house insurance claims.

For any kind of supplemental claim, you need to get in touch with your insurance firm and give them your original claim number. The best way to notify the company is in writing, sent Licensed Mail. That way, you will know who signed for the letter. The insurer will have to re-open the claim. You may get the same adjuster as prior to, but possibly not.

Auto Insurance Supplemental Claims

Lots of supplements occur when vehicles are receiving repaired. Many occasions, hidden damages are found when the body shop begins dismantling the car. So, although the insurance organization may have issued payment to the body shop from the original repair estimate, they will concern a second examine for the supplemental repairs. Happens all the time, no large deal.

However, sometimes post-repair difficulties do not show up proper away. A good example is the Air Conditioning technique. If you have a auto wreck in July, you may well not notice that your heater is malfunctioning till fall or winter. But when any damages are found that can be straight related to the original insured loss, you can submit a supplement. Just document the damages and their result in and send the supplement to the insurance organization. No additional deductible is assessed, considering that you currently paid it when.

House Insurance Supplemental Claims

Homeowners, Renters or Business insurance claims can find a want for a supplemental claim for some of the identical causes discovered in auto insurance claims. Seasonal concerns can bring up damages connected to the original loss. But, some other troubles may well present themselves. You may have an expert’s report that shows additional damage attributable to the original loss. Your contractor may possibly have discovered hidden damage that must be repaired. In any occasion, cautiously document your claim and submit it to the insurance organization.

Be certain that you are collecting all the funds you are entitled to collect. Use supplemental claims whenever your claim demands it.

If you have seasoned a house loss, whether fire, wind, flood or other, you need to know winning insurance claim techniques. The insurance company will not tell you the claims procedure, but I will. I will show you how to take manage of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For a lot more information, go to the internet site listed below.

How To Get The Best Well being Insurance Program For Your Organization

21 Mar

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Beginning a enterprise can be rather daunting for most folks. There are many specifics to take care of for the enterprise to be profitable. A single of the most challenging yet crucial parts of operating a business is deciding on the perfect health insurance plan. You need to have to make positive that you get the greatest insurance for oneself and for your personnel. Obtaining the correct insurance business can be a challenge due to the alternatives obtainable. You want to get as considerably information as you can before you purchase the insurance.

New well being care legislation has created it simpler for these with little companies to get insurance. It is now a lot more inexpensive but receiving the details on the greatest insurance plans for small enterprise is nevertheless proving to be a challenge for most business owners. Before you make any acquire choices, you should examine your state legislation to make a decision what you are obligated to provide in terms of insurance. In most instances, if you have fewer than 50 staff, you might not be obligated by the law to supply the insurance.

Health insurance package

One particular of the best techniques to attract quality personnel to your business is by providing a great well being insurance package. Even although you are not obligated by your state, you may want to contemplate offering group well being insurance. When contemplating insurance plans for tiny organizations, you need to remember that you do not have to spend the entire amount yourself. Most firms have a cost sharing technique where the personnel contribute a portion of the expense. The employer deducts an agreed amount from the employee’s paycheck and then makes the monthly payment.

Finding the proper program

Locating the proper group plan is the finest way to make certain that a enterprise gets value for its cash. It is critical to compare various policies from numerous providers. There are numerous approaches to get well being insurance and they consist of buying directly from a health insurance firm or working with a broker. You can also get suggestions from distinct sources like your payroll management organization. A number of market associations supply insurance plans to members and joining one can be helpful to company owners. Joining an association can cut the insurance charges that a organization pays.

A lot of companies locate it far more practical to get a broker who can deal with all the insurance specifics. The broker frees the business owner to concentrate on other locations of the business. The biggest benefit of making use of brokers is that they have access to numerous health care firms.

Auto Repair Loans – Finance Your Vehicle Repairs

20 Mar

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Right now we will talk about an solution that has helped millions of folks in their time of need to have, and that option is Auto Repair Loans.

Of all of those unexpected expenses that look to arise every single month, the most prevalent of these is a auto repair bill. The most frustrating portion about these bills is that they can range anywhere from a couple hundred dollars to a handful of thousand dollars. That makes preparing for this inevitable cost quite hard, and typically occasions we come up a bit brief. On leading of that, the price tag of automobiles appears to be increasing exponentially, which indicates the price to repair those vehicles rises just as fast. The final time I took my car in for routine maintenance, I was totally blown away by the final price on the invoice. Maintain in mind that was for routine upkeep, and the fees are even greater when there is heavy labor involved.

It really is quite clear that the charges of auto repairs can really throw a wrench into any monetary plans you may possibly have had. This is what brought me to try auto repair loans, to help alleviate some of the economic strain triggered by large repair bills. Auto Repair Loans permit me to concentrate on the critical factors in life, by taking my thoughts off of one particular significantly less expense. I never think it’s any large secret that individuals are struggling lately financially. The most recent crisis affected even these who took excellent care of their assets. Millions of men and women are seeking for some form of monetary relief, and an auto repair loan is one particular way to do that.

Where To Get A Loan

As most of you know, there are a lot of diverse types of loans, and this is true with auto repair loans as properly. Some individuals will opt to go with a credit card to finance their vehicle repairs, but as you can think about, the interest rates are sky higher. This tends to make credit cards an alternative, but a really pricey solution more than the program of time.

You might also attempt acquiring a personal loan from your bank. This is a very good notion if you have a lengthy background with that bank, but these loans are sometimes tough to get. The purpose for this is simply because that sort of loan has a extremely high danger issue, so only those with a stellar credit and payment background will be authorized.

Locating an auto repair loan can be challenging at 1st, but if you stay the program, and continue to investigation your lenders, I am certain you will locate the loan that’s greatest for you.