Categories
credit

How to Give Yourself Longer to Pay Off Your Credit Card Bills

Paying off credit cards may seem like a daunting task, especially if your cards are burdened with high interest rates.

Ideally, credit card balances should be paid in full each month, but most people have found this to be next to impossible.

If you are having trouble paying down your balance, there is a way to give yourself a longer amount of time to make payments, while still saving you money in interest.

A balance transfer is the simple act of transferring your debt from one credit card to one with a much lower interest rate. The best way to do this is to apply for a card that offers a 0% APR on all balance transfers.

While no credit card exists that has a 0% interest rate for life, many cards provide a 0% introductory rate. This rate generally lasts for one year.

The process itself is simple. On the credit card application, enter in your current credit card information and opt for the balance transfer. If qualified, the process will begin.

You can also wait until you receive a new credit card before starting the transfer process. Never transfer your balance to a credit card with a higher interest rate.

Several credit card companies offer a fixed APR rate on transfers and are willing to transfer balances with no fees, but read the fine print first.

Fees on balance transfers are becoming more widespread, so decide if the fee is worth the transfer.

Don’t forget to note any over-the-limit fees associated with the new card. If you’re notorious for making late payments, note the late fees. They may be higher than your current card.

If you have several credit cards, a balance transfer can help keep track of debt by consolidating it, making it easier to keep track of payments.

For those with poor credit, a balance transfer may not be an option. Most credit card companies only extend balance transfers to consumers with good credit, so you may have to dig deeper for a card for which you can qualify.

Another alternative is to apply for a card that carries a long-term, low-interest rate. Transferring balances to these types of cards will provide more stability, giving you more time to pay down the balance without having to worry about the 0% APR expiration. Since most 0% introductory rates shoot up after the first year, a long-term, low-rate card may end up being the better deal.

While waiting for a balance transfer to finalize, make the monthly payments on your old cards. It can take up to a month to transfer the balance so you wouldn’t want to incur a late charge.

Request a billing statement from your old card that shows a zero balance. The company may send this to you automatically. When the zero balance has been confirmed, cancel the old credit card or keep it locked away so you won’t be tempted to use it.

There are also non-credit card alternatives that can give you more time to pay down a balance. Taking out a personal loan can ensure a long-term, low-interest rate and allow you to pay the credit card balance in full. This way you will only be making loan payments and not be burdened by high credit card rates.

Categories
insurance

Pros And Cons Of Cheaper Car Insurance

For anyone that owns a car, they know that it is imperative to have car insurance. Unfortunately, it can be time consuming to find affordable insurance if you don’t know where to look. Thankfully, with the Internet it is more possible than ever to find and get easy quotes for cheap car insurance.

What Is Car Insurance?

Why You Need Car Insurance
Why You Need Car Insurance

Insurance for your vehicle is a way to protect you and your car from damage from a result of an accident or traffic collision. It will also protect you against any liability that could arise from the accident as well. In most places, it is illegal to drive a vehicle without it being insured.

Why Is Insurance Important?

Our vehicles are our lifelines to the outside world. Without them, how would we get to work, visit our friends and family, or get to the hospital in the case of an emergency? It would be difficult to say the least. There are not many places in the world where you can own a car and not have to have some car insurance.

The problem with insuring your car is that it can cost a lot of money. When you first start looking into getting insurance coverage, you might be shocked at the cost of premiums from some companies. But don’t worry, with a little bit of time and patience, there are many places to get cheaper insurance.

Pros And Cons Of Having Cheaper Insurance

There are many reasons to seek out cheap car insurance. The most important reason being that you will be able to afford it. When you do an initial search for policies, you might be outraged at the cost of them. But with some time and effort, you can find affordable insurance. Be sure to look into any discounts that a company might offer you. Some of these include multiple car discounts, student discounts, as well as many others.

There are less cons than pros for obtaining cheaper insurance. One of the main disadvantages for affordable insurance is that the deductibles are usually higher. Generally, the higher your deductible is, the lower your monthly payments will be. For some, this can be a deal breaker because if you happen to get into an accident, you might not be able to afford the deductible to get your car fixed.

Photo credit: shrff14.

Categories
banking

Fairbanking Foundation Marks Awarded to Financial Products is a Good Beginning.

The Fairbanking Foundation is a charity which aims at evaluating banking providers in its accreditation scheme. Their objective is to encourage banking providers to help improve the financial well-being of its customers. The foundation believes that such providers like banks, building societies and others have or owe a duty of care to their customers and even the country. They should collectively act for the common good.

The Fairbanking programme of awarding marks is aimed at that objective and has to coax the industry to move in a customer oriented direction. If there is a credit evaluation for customers, where the individual is given Credit Scores, subject to Credit Checks then, he has to get a Free Credit Report to monitor his status. So why not an evaluation for banking providers and products. This approach now is relevant  as the recent banking crisis saw bail-outs to this sector being made using taxpayers money. 

Fairbanking Mark Awards
2011 Fairbanking Mark

After evaluating 250 odd current accounts and other financial products eligible, such as,  current accounts with and without overdraft facility, savings accounts and credit cards, offered by more than 40 institutions, Fairbanking Marks were announced. Only four made the mark! The four were awarded the lowest mark of Three Star by Fairbanking.

They were-

  • ‘Your Savings Goal’ a tool provided by RBS/NatWest
  • Goal Saver account provided by Saffron Building Society
  • the non-overdraft current account provided by Secure Trust Bank
  • the non-overdraft current account provided by ThinkBanking.

Royal Bank of Scotland/NatWest’s ‘Your Savings Goal’

This product is more of a tool that can be used on any of the bank’s savings products. If it suits your savings goals, such as, a car, a holiday, or a wedding, then it can be used . You can, using the online banking tool, choose the goal, calculate the ideal savings plan and track your progress online. The product is presented both with graphics and numbers. Your can find out how much to save for how long to reach one or more goals.

Saffron Building Society’s Goal Saver account

This online savings account has a competitive interest rate. It is monitored according to 10 best online accounts published by Moneyfacts. Access is allowed to your money without penalties whenever you are in need of it. It can be opened online as part of the society’s Saffron Money Tree services. The product helps you to work out how much you need to save for specific goals. Then you use the Society’s plan to work out your saving.

Secure Trust Bank’s Current Account

Secure Trust Bank is listed and regulated like others, by the FSA and affiliated to the Financial Compensation Scheme. Their Current Account is an account designed to help you manage your money and is open to all. The account does not collect bank charges or fees for bounced Direct Debits or standing orders but has a £12.50 monthly fee. The account comes with a Master Card Prepaid Card which has to be loaded before spending . Thus it is separated from your money in the Current Account. The Prepaid Card can give you cash rewards on purchases made both online and in store. At participating retailers. You can stay informed of transactions by phone or internet.

Thinkbanking’s Current Account.

This banking account is a current account service designed by the Think Money Group and run by RBS. This non-overdraft current account comes with a tool which adds a payment forecasting feature that helps customers to analyse spending and set budgets. This non-debt current account sets aside money the customer needs to pay for bills. The rest is automatically put into a card account. Funds for spending are taken from here and prevents from overdrawing by customers. This ThinkBanking account is open to all and even for one with a poor credit history. Customers are not charged overdraft fees.

These awarded products will be able to display the Fairbanking mark on their brochures and web pages. Fairbanking is not a consumerist and try to balance their act between interest of customer, the banking industry and the country. The usefulness of these products cannot be underestimated as inflation has had a bad effect on savings. Around 10% of Britons have stopped savings, according to some reports. The Fairbanking view is that banks have a responsibility to act in the common good. According to its Director Antony Elliot, the rating and mark intends to improve the non-price competition among banks and improve awareness in the consumer and industry. Fairbanking is a not-for-profit  research based charity. The foundation works to creating mutual financial benefit between the provider and the customer.

Categories
banking

The End of the Cheque?

With cheques due to be phased out entirely by 2018, what is the future for those without access to electronic banking? A recent report suggests the elderly will be particularly vulnerable.

While some may see the end of the cheque as an opportunity to revisit all of their financial affairs, others will only see the downside.

Research published this month by Age UK shows that 73% of the older population still use cheques as a means of payment. Thus any moves to stop accepting cheques entirely would fall disproportionately on them.

The report says that cheques should be regarded as part of the same category as utilities such as electricity or water – an essential part of modern life and not something that should be swept away when so many people are still in need of it.

The government’s Treasury Committee were told last year that the end of cheques could result in an increase in the numbers of elderly people without access to Internet Banking hoarding cash at home, or carrying it with them to pay bills.

This would increase the vulnerability of this section of our society by increasing the amount of cash on their person and in their homes, making them a more tempting target for robbery or burglary.

Even without this, the loss of cheques could force them to rely on friends and family for control of their finances, especially if they have to rely on Internet Banking to make payments.

The beginning of the end is already in sight for the much-loved cheque, as the Cheque Guarantee Scheme ends at the end of June 2011.

Although cheques can still be written and honoured after this date, the sums will no longer be guaranteed by the banks.

The first guaranteed cheque was written in 1965 and an industry-wide scheme was introduced four years later.

At the moment, a cheque that is written and is backed by the scheme will be honoured if below a certain amount.

Without this guarantee, those receiving payment by cheque cannot be sure that the payment will reach them. If a cheque is issued without enough money in the account to cover it, for example, then without the Cheque Guarantee Scheme, it can be rejected by the bank and sent back without payment.

This lack of security means that it will become more and more risky for companies to accept cheques and more of them will begin to think that it is no longer worthwhile to accept them at all.

None of the major supermarket chains accept cheques any more and it is only a matter of time now before they are phased out completely for everyone.

The Payments Council – the body in charge of payments strategy – has proposed that cheques will no longer be able to be used for payment by anyone after 31 October 2018.

Although there will be a final review of the future of cheques in 2016 to ensure that the date can be met, it seems that the future of our payments is to be paperless.

Categories
banking

What is Factoring and How Does it Work?

Is your business short on cash? Are you looking for a quick fix to handle your money problem? It may sound like a commercial, but AR factoring isn’t a gimmick.

AR factoring stands for accounts receivable factoring and it works to give your business a quick solution to low cash flow. As a business owner, or manager of finances, you know that cash is king. Having liquid assets and cash makes your business more flexible and dynamic.

To get started, your company will compile it’s invoices that haven’t been paid and sell them over to a factoring service for a lump sum. The factoring service will then take over your accounts receivable and your clients will pay them.

There are 3 institutions involved with factoring, your business, the customer, and the factor. If you decide that AR factoring is right for your business, the factor will work to determine a price they will pay you, which will be a fraction of the accounts receivable.

Accounts Receivable Factoring

There are two types of factoring loans available to you.

Recourse Factoring

This type of factoring is a bit more risky. After getting the factored loan, your business will still be responsible for any funds that are not collected by your factor. If your business is in a low-risk industry this still may be an option for you because the factor will charge you a cheaper rate for their services. If you are in a high-risk industry, however, you may want to consider non-recourse factoring.

Non-Recourse Factoring

If you operate in an industry that is difficult to retrieve accounts receivable, you will want to consider non-recourse factoring rates. This type of loan is where the factor assumes risk if they are unable to collect your A/R. This option is typically more expensive, meaning that you will not receive as favorable a rate from the factor, but it will give you a quick cash fix for your business.

If you are unsure which route is best for you, you will want to speak with a factor about their success with your type of business. Factors take in to consideration credit worthiness of your customers. Each factor may have different criterion for credit worthiness, so you should always speak with multiple vendors for the best rates. Also take in to consideration that these people will also be dealing with your customers, and collecting money from them, so never do business with a factor you don’t trust. Getting your business cash in hand is sometimes a difficult process, but working with a reputable factor can give your business the cash push it needs.

Categories
banking

Second Chance Bank Accounts – Life After ChexSystems

If you’ve recently tried – and failed – to open a bank account, your listing in ChexSystems is likely to blame.  You can try to get your name removed from ChexSystems, but, in the meantime, you still need a bank account.  And, if your name does stay in ChexSystems for the full 5 years, you will need a long-term banking solution.  Luckily, a second chance bank account can help.

What is second chance banking?

Second Chance Bank Accounts
Do You Need a Second Chance Bank Account?

Designed for people with financial problems – like being reported to ChexSystems – a second chance bank account can give you a fresh start, and provide you with the convenience of having a bank account.

Since they cater to people with financial issues, you will usually not have to go in for an interview or go through a credit check to get your second chance bank account.  A simple application is typically all you need.

Second chance banking is open to virtually anyone who is listed in ChexSystems.  The only way you might be turned down for a second chance bank account is if you were reported to ChexSystems for fraud.  However, some second chance banks will accept practically everyone in ChexSystems; you just have to find a bank that suits your needs.

So, what can you get out of second chance banking?  There are 7 benefits to getting a second chance bank account:

Your ChexSystems listing doesn’t matter. It can be frustrating, and downright embarrassing, to walk into bank after bank trying to open up an account.  With second chance checking, officials know you’ve had some problems, and they will not judge you for it.  Second chance bank accounts are far more lenient, even if your banking past isn’t so good.

A second chance bank account can help you boost your credit. Even though your listing in ChexSystems has no bearing on your credit score, many people who are in ChexSystems have problems with their credit.  But, by having a second chance bank account, you get the opportunity to pay your bills on time, avoid bouncing checks, and showing that you really have gotten more financially responsible – which can eventually raise your credit score.

Second chance banking doesn’t come with huge fees. Just like virtually any other bank account, you will have to pay some fees, but the costs associated with second chance banking are not much higher than they are with traditional bank accounts.  Depending on your second chance bank account, you may have to pay monthly fees or a per-action fee – like every time you deposit money or talk to a customer service representative.

Many second chance bank accounts come with debit cards. Debit cards have become one of the most popular ways to pay for things.  Without one, even simple purchases can become inconvenient.  However, with second chance banking, you don’t have to envision life without a debit card.  Most second chance bank accounts will give you one, so that you can go to ATM’s, make purchases, and enjoy the same fraud protection that traditional bank account holders have.

Second chance banking allows you to take advantage of many of the same benefits as traditional bank accounts, including:

  • Check cashing
  • Check writing
  • Online banking, like online bill pay and the ability to check your balance
  • Direct deposit
  • Overdraft protection
  • An account that’s FDIC-insured
  • Monthly statements mailed to you
  • Automatic bill pay
  • The ability to make online transactions, like opening a PayPal account
  • The ability to apply for a loan, which can be next to impossible if you do not have a bank account

Second chance banking is cheaper than other alternatives. Check cashing and money order services come with hefty fees that are much higher than any fees associated with second chance banking.  Plus, with either, you wind up carrying a lot of cash around – which can be risky.

More banks have started offering second chance banking. Before, it was tough to find a second chance bank account.  Now, even big banks – like Compass and Wells Fargo – have started opening second chance bank accounts.

Categories
credit

Do Credit Checks Hurt Your Credit Score?

You’ve probably been warned by people more experienced than you that getting a lot of credit checks can actually lower your credit score (and by a significant margin, no less).  Unfortunately, this is true.  But it’s not totally accurate.  While a lot of activity on your credit report (in the way of creditors requesting a copy of the report) will probably set off alarm bells at the bureaus that determine your credit score, they have been in the business long enough to realize when you’re looking to make a major life purchase (such as a car, a house, or a college education) rather than racking up a lot of debt that you have no intention (and no means) of paying (as with multiple credit cards).  Here’s what you need to know before you start doing credit checks so that you can manage it in the right way.

What is Your Credit Score?
Is your credit score affected by a credit check?

For starters, you need to know what is on your credit report.  In fact, you should be checking it on a yearly basis.  This can be done by simply ordering a free report online (at AnnualCreditReport.com). This is considered a soft credit check and it should not adversely affect your score.  This should be done whether you plan to make a large purchase or not just so you can keep track of your credit rating and make sure that there is no misinformation, black marks, or fraud occurring. This is also helpful in building a perfect credit profile.

Once you know what is on your credit report you’ll have a better idea of how your credit score will be determined, which will give you a better idea of what type of loan you can get, which could save you a lot of time, trouble, and credit checks (at least until you are able to improve your rating).

And once you start shopping around for loans or credit cards, there are a couple of things you should know going in.  First of all, the effect on your credit score is not based solely on the fact that you are seeking multiple credit checks.  If these requests are coming from financial institutions, such as banks, the credit bureau will assume that you are seeking a loan for a major purchase, such as a car, a home, a business, or schooling.  Of course you will want to check with several lenders in order to get the best deal, and the credit bureau understands this.  For this reason, they will exempt these types of checks over the course of 30 days before allowing them to show up on your credit report.  This gives you plenty of time to shop around and secure your loan before there is any effect on your credit score.  And once you start paying off your loan, your score will quickly rebound.

If, on the other hand, you are shopping around for credit cards, you won’t receive the same consideration.  Although you may simply be looking for approval so that you have many cards to choose from when the time comes, the credit bureau will not differentiate between you and the person that is looking to get as many credit cards as they can, rack up the charges, and then default (in short, commit fraud).  So narrow down the number of cards you’re interested in before you try to get approval.  Otherwise you could be looking at losing five points off your credit score for every credit check.

photo credit: Casey Serin.

Categories
making money

How To Retire With A $1,000,000 Retirement Package Without Plunking Down $1,000,000

That sounds pretty incredible doesn’t it? That’s what I thought too until I met an expert financial planner who was evaluating the affiliate marketing business. Todd Tresidder is a retired hedge fund manager who is now applying his wealth building skills for private clients.

Todd had a great reputation as a hedge fund manager making his rich clients even richer, but in his own words he got tired of “making a few points” for his wealthy clientele so he sold the business and retired…at age 35. After a short time Todd discovered that retirement really didn’t suit him so he became a personal financial coach and opened his own organization.

Million Dollar Retirement
Will you retire as a millionaire?

Todd approached my wife Arlene and I to design a great website for his business and that’s when he took a look at the affiliate marketing model. One day we were talking and Todd said something that really shocked me. He said “You know, a $100 per month in revenue is the equivalent income that is earned from a $30,000 retirement package.”

What’s the real value of your sales?

At first I wasn’t really sure what he meant but he was looking at the business through the eyes of a financial planner not a marketer and he saw an incredible opportunity to build wealth. Let me walk you through how Todd was evaluating affiliate marketing.

  • Todd’s financial planning clients were consistently earning an average of 4% on their retirement packages, packages that they had funded themselves.
  • That 4% represented earnings on the principal…not dipping into the investment fund.
  • The percentage replenished itself every year meaning the principal never lost its value.
  • $100 per month is equal to a 4% return on $30,000.

Now what makes affiliate marketing such an awesome wealth building opportunity? Todd’s clients had to plunk down the $30,000 out of their own money to create the principal. An affiliate marketer simply has to build their business until it reaches $100 in sales per month, no huge investment in principal because affiliate marketing, like the retirement package relies on passive income.

In other words, when you hit $100 you could quit and you would receive $100 per month for the rest of your life because of the automated sales nature of the business. That is pretty cool.

Getting to that $100 mark

Now if you’re new to the business this whole retirement idea may sound nice but right now you’re struggling to get a site that will earn $100 so the whole issue may be moot. But don’t dismiss it. Having the value of passive income is just one more reason to keep at it and continue to build your business.

Now here’s the good news. It is far more difficult to go from $0 per month to $100 than it is to go from $100 to $5,000 or $8,000 or whatever. The reason is rather obvious but many people overlook it because they are experiencing frustration getting started.

It’s not just about picking a niche and a product and building a site. You need to know how to drive targeted traffic, how to build a list, how to develop a strong call to action and all of the rest. Going into the industry you don’t have this knowledge but as you learn and as you gain hands on experience you’ll develop the skill to make it work and when that first $100 month happens you’ll know you have arrived.

When you hit that goal you know you are on the right track and then it’s a matter of rinse and repeat. Once you have the fundamentals mastered the dollars will roll in.

Todd and I both agree that the number one reason that people don’t succeed in affiliate marketing, or any other business for that matter, is they don’t have the persistence required to stay with it until it works. Don’t fall into that trap. The rewards are just too important to give up on.

Now back to your retirement…how much money do you need?

When to retire and how much you will need in the way of income are really personal issues. Lifestyles vary as do retirement objectives. The real challenge for the affiliate marketer is to determine “how much money do I need to retire” to support the way of life that I want.

Todd has written a book titled appropriately enough “How Much Do I Need To Retire” which has helped many of his clients determine their financial planning. Your planning will be less complicated than most thanks to the nature of passive income.

Figure out how much you’ll need to retire and then keep building your business until you reach that monthly goal…then quit. It really can be that simple. For example if you plan on using your affiliate business to fund part of your retirement and you need $2500 per month, build the business until you hit that number.

And check this out. Your neighbor down the street also needs $2500 per month but in order to get it, he or she will have to come up with $1,000,000 to fund their retirement ($2500 equals 3% interest on $1,000,000 divided by 12 months). Now that’s what I call wealth building.

Photo credit: Enkhtuvshin’s 40D...

Categories
insurance

UK Drivers Feel the Effect of Continuous Insurance Enforcement

The days of cars sitting unused in garages or on driveways across the UK are over. The introduction of the Continuous Insurance Enforcement legislation this month has forced drivers to either have insurance for their vehicle or to declare it as officially off the road with a Statutory Off Road Notification. The legislation was introduced with the intention of clamping down on uninsured drivers using Britain’s roads – a problem that was becoming widespread until recently.

Earlier this year, as many as one in six motorists told researchers from moneysupermarket.com that they had driven a car they weren’t insured to drive, with seven per cent of those surveyed having driven on someone else’s insurance policy and seven per cent having driven with no insurance at all.

Continuous Insurance Enforcement
Continuous Insurance is now required in the UK

Moneysupermarket, which helps drivers find cheaper car insurance quotes by comparing deals offered by a range of insurers, also found in its research that 56 per cent of motorists would be more vigilant about making sure their car was covered appropriately.

Worryingly, one in 10 drivers surveyed said that CIE wouldn’t change their approach to car insurance, suggesting that they would simply accept a fine if caught driving without the appropriate insurance cover.

Peter Harrison, car insurance expert said: “The number of drivers prepared to hit the road without insurance is a huge concern. It is illegal to get behind the wheel without adequate cover and should you be involved in a crash when not insured you could face thousands of pounds in liability, a conviction including six points on your license as well as charges of up to £5,000.”

Ashton West, Chief Executive at the Motor Insurers’ Bureau, said: “The change in law is a stepping up of enforcement activity, so that not only those vehicles driven without insurance will be caught.  Now the registered keeper must make sure that their vehicle is insured all the time.

“In order to make sure everyone is aware of the new scheme, a national awareness campaign will be shown on satellite and terrestrial TV channels.

“Around four per cent of vehicles have no motor insurance at any given time and this needs to change so that is why this new enforcement approach is so important.”

photo credit: :: shodan ::.

Categories
saving money

Don’t get a shock when your next energy bill arrives

Scottish Power customers received a shock recently when the company revealed plans to increase the cost of electricity and gas by an average of 10 and 19 per cent respectively – and this should serve as a timely reminder of the benefits of being proactive in the battle against the rise in energy prices.

Some 2.4million households across Britain will be hit hard by Scottish Power’s price hike and fears are growing that rival firms will announce similar rises over the coming months.

compare energy prices
Compare energy prices to avoid shocks!

Explaining the controversial change in pricing structure, Raymond Jack, Scottish Power’s UK retail director, told the company’s website: “Wholesale prices for gas and electricity have increased significantly since the end of last year and continuing unrest in global energy markets means future prices are volatile.

“We understand times are difficult for many people, and we have done what we can to absorb these additional costs for as long as possible to minimise the impact on our customers.

“The change in prices announced is as a result of sustained increases in the wholesale energy market, with the wholesale costs for an average Dual Fuel customer up 30% since November 2010.

“The rising burden of non-energy costs faced by Britain’s energy suppliers, including the cost of meeting Government environmental and social programmes and the cost of distributing electricity on the national grid, has also placed further upward pressure on energy bills.”

While it may seem all doom and gloom at the moment for energy customers, it’s well worth bearing in mind that help is only a few clicks away.  Compare gas and electricity prices at moneysupermarket and switching suppliers through the price comparison website could result in a saving of as much as £382.

Securing a cheaper deal for gas and electricity, though, is just one part of an on-going process by which you can help yourself and really make a difference to your household bills. Making a few select lifestyle changes can have a big impact on the amount of energy you use and here’s where a little common sense comes into play.

Most of us are guilty of picking up sloppy habits over the years around the house, whether it’s leaving the TV on standby and the lights on or setting off the dishwasher with just a few plates and dishes in it. Well, it’s time to buck up your ideas and hammer home the importance of not being wasteful to the rest of the family as well. There are also a host of energy-saving appliances and accessories that, although expensive to buy, will ultimately pay for themselves and return impressive savings over an extended period of time. Swapping from old-fashioned light bulbs to energy-efficient ones, for example, means they could last for up to 10 times longer and put that little bit extra back into your wallet.

photo: RyAwesome.