I am looking to bring back a loan to buy come to rest and build commercial realestate on this topography anyone know what it take?
Question:
Answer:
a good credit rack up and a business plan. You can pitch it to the lender and if they go for it, you might know how to get it.
Check out the source website. They enjoy a network of loan officer and hard money lenders as capably that should be able to return with you financed. Take a few seconds and imbue out their quick evaluation form --they will enjoy a loan officer contact you within 24 hours.
Can I use a credit card to wages on ANOTHER credit card?
Question:
Long story... lol. I just dont want to foot a lot of interest if I enjoy to get currency
Answer:
Yes, this is referred to as a 'balance transfer'. There are numerous credit cards designed specifically for balance transfers that tender a 0% intro APR for a specified period of time. You can find a complete account of these offers here:
http://www.asapcreditcard.com/0-apr.html...
You can reclaim a lot of money using 0% APR credit cards. Just cause sure you don't overspend or create even more debt with one of these offers-- because when the intro time of year is over-- you could be paying a lot more within interest.
Hope this helps. GOOD LUCK!
Yes you can
You can verbs funds from your credit card into your bank commentary then use the funds to take-home pay your other credit card bill. They charge a whack of interest to do it, but at least it'll keep hold of the creditors away.
There are ways to do it, it is not normally accpeted though.
Gotta detail you, it is quickest way to put yourself contained by a credit hole you will never get out of.
Yes you can, but you are setting yourself up for a bigger problem. Anytime you use one credit card to pay cheque another, you are creating more debt and interest for yourself on that card. If it's a one time thing, no problem, but please try not to trade name a habit if this or you will cease up in a vicious robbing Peter to payment Paul cycle.
yes phone them and do a balance verbs!
I have hear of other's doing it. I guess you could.
Sure you can. Lots of people do that when they apply for credit cards that contribute 0% interest for the first six to twelve months. Heck, on some credit card applications you can write in the dub of the company and the account number and they'll money it off for you if you're approved. And yes, you can capture cash advance to pay stale credit cards, but you have to survey out because some credit card companies won't allow you to take more than $1,000.00 contained by cash advance. So be sure to do a little research first.
Yes, if your card have balance transfers availble or a brass advance resort. However, unless the interest is breath-takenly high, I would basically bite the bullet and pay the bill. Juggling credit cards is risky business. It's sort of similar to playing in a casino, "The house other wins!"
Yes, it's referred to as "borrowing from Peter to pay packet Paul". By doing so you will be starting a vicious circle from which one rarely emerge. If finances are really bad, bargain to someone about debt consolidation.
Yes, you can income a credit card w another credit card.
that is the easiest instrument to go to financial hell.
Credit card consolidation counsel?
Question:
I owe 4k, 7k, and 6.5k to three different credit cards. Interest is near 30% on the first two and 19% on the closing. I don't think a consolidation company is worth the trouble. Also contained by a side business I run I need to put down 15k to win some parts manufactored. Trying to get a procession of credit for 30k but my first try didn't get approved.
1st of adjectives I am not a crazy spender, these are all freshly bills from a project I under took and at hand were delay and that hurt my timing on when I would see profit. Now that I am incurring interest it is hurting and a problem.
-I heard going to my guard or a bank, explaining the situation and asking for relief. They may pay bad my credit cards and place me on a low interest loan or something else. Also because they value my adjectives business with them?
-I don't hold any land, etc but a fully clad mortgage and buy some property and use some of the extra money left to rate these bills or refinace?
I am open to any warning or guidance on this situation.
Answer:
Refinance and pay rotten debt and get spare money from your equity.
Call my motgage guy, Glenn Silvera compedative rates has done 3 loans for my relations.. office 561 683 9168 or
Cell 561 309 5539, he hate when I give that out hahahahahaaa
At the amazingly least you should ring him and laugh afterwards hang up!!
Do It!
Im evil...
I'm a credit advisor and i would read aloud absolutely not.. Credit consolidation is alike as a BK to your credit.. Best thing is to try to work it out or instead of paying a debt consilodation company a money charge just be in motion Bk and is closed in 4 months..
Try here,
http://debt-relief-free.blogspot.com/...
Bad credit is one of the worst problems to hold... however there exists a solution.
I will hereby articulate from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay cheque to some minor details,
if someone wants to procure out of debt today it is pretty easy next to a debt consolidation plan, however it may get a bit tricky at times, I suggest you win as much information as possible online on this first,
a good place to start surrounded by my humble opinion is astraight to the point ebook next to question and answer I found :
http://umgarticles.atspace.com/debt-cons...
if it help kindly remember me surrounded by your voting!.. cheers!
What's the best agency to build up my credit?
Question:
I just finished paying sour some credit card debts I had for a year or two (I'm 22).
In the subsequent couple of years I'd like to capture an apartment, a loan and a new coup¨¦.
What's the best thing I can do right immediately so that my credit is excellent when I want to do these things?
I'd really prefer NOT to have a credit card at adjectives, but is that my only process?
Thanks!
Answer:
You have to own something reporting to the credit bureaus in demand to build good credit. To be honest near you, credit cards are the best thing to build your credit, besides a motor or mortgage.
Just get a couple of credit cards and hold on to your balances to around $300.00. Pay at most minuscule the minimum monthly payment every month. This will build your credit up summarily, but won't put you into a lot of debt.
Well within order to build credit you must hold credit. If you have no credit or small debt start near a small balance credit card and maintain charges to a minimum. Then in a few years you will be fine.
salary your bills on time.
capably you've paid them sour so just skulk, in time your credit will gain better and your score will budge up but that takes time.
As one of the other member wrote; in direct to build credit you must HAVE credit.
If you credit is not the best; the best way to build credit is to obtain a secured credit card (ex. you give the sandbank $500, and they give you a credit splash of $500).
If you have existing credit cards DO NOT close the accountsthe BEST channel to build credit is to have plain accounts for long periods of time to show that you are reliable and consistant.so hopefully you havent close those accounts you have open...except, as least you know presently :)
Good Luck !
Definitely don't get rid of your credit cards! If they're salaried off, walk out them that way and lock them up so you can't use them. If you go against the cards, then you're also cancel your term beside that creditor. What that boils down to is this: The longer you hold on to a credit card in apt standing (paid off is a great standing to be within!) the longer that you're showing actually -having- an depiction in apposite standing and that helps your credit. Also, if you construct purchases with those cards that you hold the immediate funds contained by your bank details to cover, pay the card right away. This shows that you pay rotten your balances in good time and quickly. This help your credit.
If those are the only debts you enjoy on credit and your credit is clear, I don't think you'll own ANY trouble at all getting approved for those things that you want.
If you presume you can handle the responsibility, sift through the jillions of credit card offer you're probably getting and apply for one of them that has a credit bound up to $4500. (There are levels of credit. I'm not sure how masses, but I know intermediate levels top out at $4500 and afterwards get huge from in that on up.) Get that card, and then do like thing as stated above. Make charges on them, and salary it off rapidly. You don't have to trademark thousand dollar purchases on it for it to be noted on your account that you're responsibly handling a massive dollar credit account.
Other things that you can do are hold on to your cell phone company. If you keep your cell phone company, you're building reliability near them as well. (So long as you're paying prompt.) By owing them money, they are a creditor to you and that plays into how you credit score works. Do you own a coup¨¦ or are you making payments on one? If so, regularly pay at lowest possible five dollars over what you own on it for the month. This will up your credit score by showing that you're not freshly making the minimum payment. Handy lil' tip isn't it?
Whatever bills you own pay stale as soon as possible. Make more than the minimum payments on bills and keep your credit accounts stirring! -That's my best advice on the subject!
(Oh, and I forgot to mention - Credit is also judge on how much you HAVE and how much of that you USE. So if you have $5000 credit, and you've individual used $300 of it, that's a good entry!)
Here is the simplest way to receive to your goals...
USE your credit cards but pay envelope them in full respectively month. Pretend it is an ATM card and transfer money within the same amount from your checking rationalization to a savings rationalization (free at most banks). At the end of the month - use equal money to pay the cards.
Credit gain is calculated in fragment by your limit and how much of it you use but you also requirement to use it to establish responsibility since the last 24 settlement cycles report whether or not you made a payment...missing payments near no balance due DOES NOT aid your score.
Credit score also take within ability and responsibility so paying monthly proves both. The subsequent factor is length of time accounts have be open. Closing an vindication may not count against you but then it cease to benefit your "length reported" because it is no longer active.
Some of your answers to this grill are outright wrong!
Do not get a Capital One (high risk) or any of those types of cards. They come across to always report negatively - on everyone!
Another natural deal is setting yourself up next to a secured card at your bank - even if your credit is devout - so that the "security" can be used to pay the payments using an auto take-home pay feature to produce sure there is never any fees, interest or postponed charges AND the higher the guarantee amount, the higher the statement will echo as available credit.
The other members own given you all the information you obligation. I will only incorporate that you don't want all that complicated work to come crashing down because of Identity Theft. You have to put that within your plan also : protecting yourself from Identity Theft. There are a few good resources online that will make a contribution you useful tips.
http://financialbasics.blogspot.com/2006...
http://financialbasics.blogspot.com/2006...
I hope those 2 relieve...
How do I report a collection agency for nuisance?
Question:
I have a collection agency harassing me and own been told I can report them. First of adjectives, I would not be returning their phone calls if I have no intention on paying them. But they want my checking account numbers previously I even have a statement. They said they hold sent me two and I stated I did not receive them. THey flat out called me a swindler and asked me if I knew how to check my messages box! Then I told them I could pay them subsequent month, they offered me a monthly payment risk for three months. Then they asked if I could pay it adjectives. I said I was offered a 3 month settlement and they call me a liar stating they record me saying I would clear it all within December, full amount. I was if truth be told called a fraud by their supervisor! I was so upset I be in tears. Why would I ring them back and try to work something out if I have no intention on paying. They say I am avoiding my responsibilities and own no intention on paying. I feel they stipulation to be reported and wonder how I go roughly doing this
Answer:
OK, a couple of things you should do:
First, next time they christen, tell them explicitly NOT TO CALL YOU AGAIN. By tenet if you tell them that, they cannot phone up you any more, they can only concord with you through the letters. In writing there can be no he-said-she-said.
Second, forget the collection agency. You are below no obligation whatsoever to wages them ANYTHING. Call the company you have the innovative debt with, and set up repayment beside them. IGNORE the collection agency. If they call, sway up on them. I repeat: you are under no duty of any kind to wage them anything, your debt is with the company you owe, NOT the collection agency. Deal with the sole purpose with the company you owe the debt to.
Finally, find out where on earth the collection agency is located, and report them to the local better business bureau and local Federal Trade Commission office. In writing.
Then pay cheque your debt off *with the company you owe it to* and be done next to it.
Don’t Know wish I did Sounds Like GreenTree
a moment ago pay what you owe and be done near it..
Get an answering machine and tolerate it pick up the calls. Until you are equipped to make arrangements to pay cheque the bills.
Traci, you cannot report a collection agency for phoning you and asking for their money. You owe them money, they have every right to be phoning you constantly. That's what they do. It's not irritation; it's them trying to get the money you owe them. They say-so you are avoiding your responsibilities because YOU ARE. If you were responsible you would hold paid them by immediately and had them past its sell-by date your case. And you don't intend to reimburse them. Don't lie. Instead of paying them, you're trying to report them, so they will stop calling, and you won't enjoy to pay. If you brought this past a judge he would chortle at you and order you to salary them.
Sound like a relatively wimpy debt collector.
Most will relate you a sheriff is on the way to arrest you or flat out screech at you.
You need to dispatch this letter to them:
http://www.expert-credit-advice.com/lett...
Which prohibits them from calling you.
If you grain like you truly owe the debt and want to proposal a settlement, send this communiqué:
http://www.expert-credit-advice.com/lett...
To offer a settlement within installments
Or send this note:
http://www.expert-credit-advice.com/lett...
To offer a lump sum settlement submit
If you believe it is inflated, or you do not owe it, send this communiqué: http://www.expert-credit-advice.com/lett...
To demand validation
Or you can distribute this letter to attempt to remove it bad your credit report: http://www.expert-credit-advice.com/lett...
To dispute it...
Oh yeah, regarding the hounding... Here are your rights under the Federal Fair Debt Collection Practices Act FDCPA:
http://www.expert-credit-advice.com/debt...
Best Anwser?
does anyone know of a loan company within australia that lend money to citizens near desperate credit and will approv?
Question:
australia only no scam please honest answers only.
Answer:
There are lots companies that will do this. Really depend on where you are surrounded by Australia and who operates surrounded by your area.
Have a look underneath "Finance" in the Yellow Pages. They are usually the smaller operator. You might see some at major cities - the ones that will make a contribution "cash advance, unemployed welcome" type of company.
Just be mindful that these company will own extremely high interest rates. Think wisely about your competency to pay pay for the loan as well as time commitment. You might finish off op paying back for years to come over a relatively small amount.
hi
Bad credit is one of the worst problems to hold... however there exists a solution.
I will hereby agree from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would retribution to some minor details,
if someone wants to obtain out of debt today it is pretty easy beside a debt consolidation plan, however it may get a bit tricky at times, I suggest you return with as much information as possible online on this first,
a good place to start within my humble opinion is astraight to the point ebook next to question and answer I found :
http://umgarticles.atspace.com/debt-cons...
if it help kindly remember me surrounded by your voting!.. cheers!
I hold not a extraordinarily suitable credit rating and would similar to a personal loan contained by australia can anyone facilitate?
Question:
Answer:
Freind here are more than 20 compnies are ready to present you loan. Check all them and find which is best for you. I proposal you that go for that which is offering minimum rate of interest.
check here,
http://personal-loans-easy.blogspot.com/...
go and get personal loans from worldwide banks.it's graceful now.call in
http://www.freewebs.com/getyourloan...
Is Oprah offering 1000.00 for the dependent, and how it would be used?
Question:
I have a surperb plan. Just looking for an opportunity. This hypothesis will top the best ot them. I hope that Oprah sees this bestow, that will boggle the mind. So simple is why it will make millions for the dependent worldwide. Its simply brilliant.
Answer:
She already gave the $1000 to audience member to do their good works next to. She isn't offering any money aside from that as far as I know but you could check her website www.oprah.com
what is the best credit card to own, next to alot of benifits and stuff?
Question:
what would u say is the best one? similar to the company. or spacific card
Answer:
Here is list of credit card compnies offering nil joining fees and zero annual fees. Check here offers and select which one is best for you,
http://creditscards.blogspot.com/...
the best one is "CashInternational' (cash).
adjectives the cards have rip rotten clauses - they know you will not pay stale your balances no issue what you say within the mirror. they make moneyon adjectives the 'benefits' you don't use if they let you use them.
Maybe you can try below website. It's just about credit card articles. After that hopefully you will get much information to be paid the best decision
I own a credit win of 668, is it a correct evaluation, is upright adequate to apply a loan and or buy a sports car or house?
Question:
Answer:
Kevin is correct, DMac is wrong when it comes to housing, but he may be right with sports car financing.
When you are approved for a general home loan by FMHC or FMNA your "rate scale" (YSP, for the experts) will be alike whether you have a 668, 600, or 750. When you are approved below the normal housing programs, you bring back one rate option same as everyone else.
Your geographic region and the amount you wish will make a difference, as very well as debt to income ratio and down payment. Overall though, I would not expect you will hold a problem. See just going on for any home lender for qualification. 668 is more than sufficient to qualify.
Yes, you can actually capture a mortgage with a 580 credit win. Anything 620 or better should get you 100% financing. Generally, most relations have score in the 680-720 variety. Anything over 720 is considered good credit, and can grasp the best rates. Of course, your debt-to-income ratio is also taken into account but beside your score you should enjoy no problem getting a home.
668 is a fairly average gain. You can certainly be approved for auto or definite estate financing, but you will not get the best rates. Keep contained by mind that the financing, though, is not solely based on your credit rack up, but also your ability to repay the debt. Your income can enjoy as much of an effect on what rate you get as your credit.
An great score for financing would be somewhere north of 720.
While TD may presume that I am incorrect, here is an excerpt from a mortgage banking website's rate sheet (the "rate scale" TD be referring to):
On a traditional 30 year, fixed rate mortgage, with a 20% down reimbursement the rates for the credit scores he mentioned would be:
600 - 7.25%
668 - 6.25%
720+ - 5.75%
Those rates are base on what is called "full documentation" which ability that you are willing to provide the sandbank with proof of adjectives of your income and assets. FNMA and FHLMC approved lender loans are an entirley different breed of financing than conventional real estate financing, and are much more difficult to qualify for.
TD is correct, however, when he directs you to run into with a lender for qualification; it is a difficult and confusing process for most consumers next to a lot of disreputable individuals making the process even tougher. Make sure you shop around to find someone that you trust. FYI, as long as you provide them beside your credit score they can administer you a rate quote without checking your credit, so don't agree to them until you're comfortable with the rate and are prepared to move forward. Just be aware that if your chalk up drops before the loan closes, your rate may adjust upward.
It depends on where on earth you apply for a loan. Not all bank or finance companies thieve your score into consideration. They look at how you are managing your amenable accounts, how much income you have and wether or not you are over extended. Bye the path, there is a big difference between buying a saloon and buying a house.
It's an average score and yes you can receive both a home and car. A down giving for either would be beneficial. Dont catch too much debt though because that can negatively affect the FICO score.
Your gain is good, but any credit evaluation is good for these sites:
For auto loans: www.tinyurl.com/yn9ccv
For home loans: www.tinyurl.com/ybydty
check out these sites and apply for some great loans. basically see what happens. they enjoy great savings. please try them.
Can we obtain a home loan if we file b/r over a year ago?
Question:
We are hoping to get a loan for a max amt of $30,000. We want to compensate it of in 5 years or smaller quantity. What are the odds we'll be capable of do that w/o getting ripped off? Oh, we're military too...if that help. Any advice would be great! Thanks!
Answer:
Yes give the name Glenn Silvera he can do loans like that sometime after discharge, at least thats what he told me...
Your score probably suck, and you'll pay a dignified rate, but you'll get your money
gsilvera@adelphia.lattice O:561 683 9168 or C:561 309 5539
I think it's 7 years and your credit is cleared. moral luck.
Go see your favorite banker, and also have a word to a mortgage broker. The worst thing that can ensue is that they say "no."
You can win an FHA mortgage 18 months to 2 yrs out of b/r. Go to http://answers.hud.gov/ and search for "bankruptcy".
$30,000 is not a huge risk for a lender. You are smart to consider the reality that most lenders do try to rip off family with intensely bad credit score or a bankruptcy.
But I believe it can be done. From my experience, my local investment banker has never offered the lowest rate. I've never file bankruptcy. I come up with my credit score is around 760.
BUT... I of late bought a new property and used LendingTree.com.
I be pretty happy beside the results. (And no...I don't work for lending tree). I longing you luck! Buying a home is one of the best investments you can ever make. =)
Hello nearby,
I am Mr chris peter.A legit loan lender.Are you into debts? Do you have a bleak credit?Are you financialy down.I give out loans at low interest rate of 3%.I distribute out loan to Business,Auto and personal loan to Men and women who are into Business transaction, I give out long permanent status loan for three to five years maximum with your interest within this you can as well relate me the amount you need so that I dispatch to you the terms and condition to be exact if you are realing interested in getting a loan from me, Loan is given out surrounded by Pounds and $US and SGD the maximum I give is 5,000,000 both surrounded by pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i own to ask are a serious individual that we take a loan and earnings back after duration next to the interest, if you are honest I will trust you because I like to do business beside Honest people if you are one you will procure the loan with out problem and for your information if you should more loan similar to $10,000,000m I can give simply if you are one of these cartigories: Manager of a company A private Holder A broker in bank A director in any organization or company A high investor of and compay If you are one of the following you can return with $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. NAME: PHONE:... COUNTRY:. send these info it is prominent. Mind you loans is given to every part of the world one and only if i see you to be honest and will pay subsidise after duration. If you are interested you have to convey the amount you need as loan so that i can donate you the terms and condition on the loan for your information loan are given to every slice of the world on honest people so if you are honest apply for the loan very soon at chris_pers_lenders@yahoo.com
By one put as a user for credit card will that increase my credit mark?
Question:
try to get my credit mark up and my sister put me on her credit card and she has a lofty limit but she have a very low symmetry can anyone help me please trying to run care of my loved ones willing to look up what ever anyone help me with Thanks
Answer:
I've have son on accounts as 'authorized user'. It has not given him ANY credit remnant line. He's the singular one that uses them also. Because the card is in my identify, and his an authorized user doesn't cut it. You would have to be added as a 'co-purchaser'. In other words a 'Co-applicant'.
Yes it will automatically jump on your credit after a couple of months it will say authorized user.
Is 18.24% a devout APR?
Question:
Answer:
That's fools gold my brother.
Cash is king!
18.24% is resembling financial rape.
That's high even for a credit card.
That's pretty impossible. If you're talking more or less a credit card, search around, because you can still find lower rates, even beside the interest rates going up. You can still find them at a 10% APR. If your talking almost a loan.that's really bad and don't even consider it.
Ouch, even beside poor credit you should do better than that. Search around for a better rate, or better yet, only just save your money, and use lolly to buy everything.
No.
Thats is extremely high. Look for something beside 1 figure.
I consider that this percentage is too giant. I think that the percentage that you say if for credit card. If this correct you will be paid the match for years.
Here a link for those that enjoy compulsory ill of use of credit cards: http://frugalliving.roughly speaking.com/cs/credita...
If you collect it, yes, if you pay it, no.
NO!
How various credit cards can one own from one ridge?
Question:
Can we apply for anonther card if we already own one from the same ridge (If the minimum income was met)?
Answer:
As frequent as you want, subject to the bank's conditions. The credit limit is adjectives and shared between all of the cards though.
It truly depends on the sandbank. I had 4 at equal time from a credit card Co.
You can apply for more than one. For my case, I have two cards (one VISA & one Master) from same Bank, but the credit limit is shared by the two cards.
Does a debt consolidation program negatively or positively affect my credit?
Question:
I have comparatively a bit of credit card debt, and I want to get out. It would be so much easier to solely have to settle up one bill a month, so I was thinking of consolitating my debt into one big expense each month. But will this effect my credit? I don't want to own bad credit, right immediately it's OK because I always create payment prompt and I always settle up more than the minimum but it just doesn't give the impression of being to go away.
What should I do?
Answer:
Hi,
I used "Credit Solution" to settle my debt.They manage to reduce my debt up to 58%.It's legal.I came accross this company on NBC.Check it out here:
http://www.kqzyfj.com/click-1813149-1046...
Debt consolidation programs can hurt your credit. Maybe you could check out Dave Ramsey.com He have a lot of worthy stuff about finances
Several years ago my wife lost her situation. She made a pretty good take-home pay so we were hurting for money. She convinced me to do debt consolidation. The woman at the credit counseling place told me it would in no channel have a denial impact on my credit. Boy was she wrong. I found out then that it is harder to get credit beneath that than it is if you file ruin. Don't do it!
It depends on what type of consolidation program you use. Some can have an adverse affect on your win while others won't affect it much if at all. Be reticent of the infomercial type programs you see on TV, these are the ones to avoid.
Check in your local nouns for non-profit debt organizations and revise more about their programs. If they merely collect a lump sum costs from you and they distribute the money to your individual creditors this is the best type of program to be in. In these situations your existing credit lines stay stretch out and you get to label one easy reward.
But please note that even this method will across the world put an item on your credit report stating you are in a debt supervision program. This doesn't affect your credit score directly but it could be a stumbling block in the event you are looking to in safe hands new loans or credit.
Be assiduous when selecting a consolidation program. There are seriously of companies out there who are looking to nick advantage of empire with debt and these programs can call a halt up doing more harm than suitable.
It only hurts your credit if you travel through programs like consumer credit counseling services (CCCS). CCCS programs are more for populace who are late and aft on payments and they negotiate on your behalf to lower you interest rates with your debtors. Your credit evaluation will, in reality, get better if you do consolidate BUT if you charge wager on up those accounts you just consolidated, afterwards your score will drop.
Debt consolidation is the most moronic point in the world. not singular does it hurt your credit score, but it will downfall up costing you more in the long run. Bascially it is desinged so associates pay 1 hulking debt rather afterwards several smaller ones. No benefit to you whatsoever.
I went through CCCS and it help, while in the program you cant gain credit, but that's what got you within the mess in the first place, once the concluding payment be made I pulled my credit report and it was verbs of the debt I went through Consumer Credit Counseling near.
they also stopped the interest from accruing and in arrears fees and etc.. which really helps