PBX: (5) 360 0671 Cel: +57 (300) 306-1063 // (316) 529-7940 proteger@protegerconsultoria. It's got first improve software program and is ready to accept just about any borrowers with Identification credit card. Loan rejection. Use this calculator to try different loan scenarios for affordability by varying loan amount, interest rate, and payment frequency. For example, if you bring home $5,000 a month, your monthly mortgage payment should be no more than $1,250. Generally, a loan with a longer term will have a lower. Amount. It is a fast and convenient help for Filipinos. If you are purchasing raw land, the preferred down payment can be as much as 30% to 50% of the total cost. Loan. Sagot Ka ni JuanHand! | JuanHand is your partner for cash loans. Understanding Adjustable-Rates. Flexible loan amounts Minimum of P10,000 For BDO Kabayan Personal Loan Secured. Hello, #EveryJuan! Here are the Frequently Asked Questions related to applying loan at JuanHand. This Juanhand Platform (Juanhand. A demand letter for payment of debt is a formal notice that asks for money, possession of assets, or action on a legal matter. How to register with Juanhand mobile app Download the Juanhand online cash. In the Philippines, Juanhand is a fintech platform that provides one-hand loans and other financial services. Apply now!M = monthly mortgage paymentP = the principal amounti = your monthly interest rate. Here are my thoughts about Juanhand Online Lending App. It becomes immediately apparent that FHA loans have the most stringent debt-to-income ratio requirements. For example, a £180,000 loan structured over 25 years will see you pay £56,581. Step 1: Enter the balances, interest rates and monthly payments you currently make toward your unsecured debts, like credit cards, personal loans and. Escrow: The monthly cost of property taxes, HOA dues and homeowner's insurance. Get cash in your bank. Take note that the GCash loan calculator presets loans from ₱1,000 to ₱2,000 to be payable in five months; ₱5,000 to ₱15,000 in nine months; ₱16,000 to ₱50,000 in 12 months; ₱51,000 to ₱75,000 in 15 months, and ₱76,000 to ₱125,000 in 24 months. 16%. “We are honored to have been selected by SeaBank Philippines as its one of its first loan channeling partners in the country,” said Francisco Mauricio. Home Equity Calculator Index. Juanhand is definitely an on-line loans program that provides fast and easy usage of funds. Step 2: Fill out our quick loan application in the Juanhand loan lending app. Use this loan calculator to determine your monthly payment, interest rate, number of months or principal amount on a loan. The interest rates and payment terms for Pag-IBIG loans are also different for each loan type. 12 Id. Make sure the loan app is licensed and regulated by the appropriate authorities. JuanHand x Multisys. The JuanHand loan app is a microfinance supplier that delivers temporary lending services. We are your partner app for cash loan! | #SagotKaNiJuanHand CONTACT US AT: 09190599918 (02) 85390150Lead-in to JuanHand App Lending. For example, suppose Mr. You can apply loan in 5 minutes. The mathematical formula for calculating personal loan EMI is [P x R x (1+R)^N]/ [ (1+R)^N-1], where: ‘P’ is the Principal Amount, ‘R’ is the Rate of Interest, and. To qualify for a DSCR loan, most lending institutions require a DSCR of 1. These loans are versatile and can be utilized for various purposes, including groceries, bill payments, educational expenses, emergencies, gadget purchases, and rent. Auto Loan. , which is a Chinese fintech firm. Interest rate: Your interest rate is the percentage you’ll pay to borrow the loan amount. For example, if your mortgage is $150,000, your loan term is 30 years, and your interest rate is 3. 15 Lakh for a tenure of 5 years at an annual interest rate of 12%. Their own online software procedure is simple and to complete. Land Loan Calculator. Estimate your monthly payments with PMI, taxes, homeowner's insurance, HOA fees, current loan rates & more. Mortgage insurance: The mandatory insurance to protect your lender's investment of 80% or more of the home's value. Mortgage Calculator. 15% with a zero to 4. . The decision to use the app is still up to you. Terms, Online Calculator; Online lending harassment philippines 2021-2022; Online Loans With Monthly Payments Philippines [2023] Pension loan; Personal loan Philippines – all you need to know [2023 update. 3. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each. As you can see, the interest payments. Cash to go 8. Pay the periodic payment amount calculated, and the loan balance. With the CashMart loan app Philippines, you can obtain small loans and pay them back with affordable monthly interest. If you qualify for a TSP loan, the maximum amount you may be. SBI has personalised offers on home loans. , r = Rate of Annual interest/12/100. Term (months)*. Wait for JuanHand Philippines loan approval. LANDBANK Mobile Banking – ideal app for professionals. The loan's term, from one to 30 years. There are even small charges and you’ll. Then, rather than enter 0 for the loan balance after a payment number, enter the balance that you want and enter 0 for the periodic payment. Each loan Read more 26 Apr JuanHand0 Comments Filipinos Financial Control Mechanism amidst the Covid-19 Pandemic The emergence of Covid-19. JuanHand is safe and secure to use and all client information is protected and encrypted, in full compliance with NPC regulations. It is the resort bank for agriculture and rural. Cashaso 13. Loans — whether it's a personal loan, an auto loan, mortgage or student loan — are a helpful way to cover your costs when you don’t have cash on. Rates. So, if your. But at JuanHand App it is much easier. JuanHand is now available at Lazada Loans! You may load up your Laz Wallet now & pay later through JuanHand ! Mechanics: 1. See how your monthly payment changes by making updates to. To illustrate how Juanhand Loan App functions, consider this example: Loan Amount: PHP 100,000; Annual Interest Rate: 10%; Loan Term: 1 year; Annual Interest: Annual Interest = Loan Amount × Annual Interest Rate Annual Interest = PHP 100,000 × 10% = PHP 10,000 WeFund Lending Corporation (WeFund) and JuanHand partnered with Multisys Technologies Corporation (Multisys) to serve as a payment gateway, enabling borrowers to pay their loan via their preferred bank or e-wallet. after ilang loan, here 2nd review of Juanhand Online Lending App. Prior to making an application for a loan, you need to open a financial calculator to calculate the amassed interest and the due date of return. Mortgage Calculators. - after 13:00 or on weekends and holidays, loan receipts will be received by 18:00 on the next business day. The products of the lending service will help to resolve issues of any level, requiring both small and large investments, and it is possible to draw up a Cashalo loan 24/7. Their accredited partners include TendoPay, BillEase, UnaPay, Paylater,. The calculator will then display the home loan EMI amount you will need to pay each month. → This puts your DTI ratio at 43%, because ($1500 + $650) ÷ $5,000 = 43%. The girl progress procedure is straightforward and begin speedily, plus online payday loans Philippines they accept candidates having a true Id along with a steady cash flow. ---. Open the app and click the “Bill” icon found at the bottom of the screen. The specific feature of amortized loans is that each payment is the combination of two parts: the repayment of principal and the interest on the remaining principle . If you have an unpaid Juanhand loan and have problems with returns, contact Juanhand urgently by [email protected] or 0998-3740-824. This is validated by NPC Resolution NPC SS 21-006 released on January 2022. It has simple and easy loans that will help you with a good tactical condition, with no financial checks. By tweaking the loan amount, loan term, and interest rate, you can get a sense of the possible overall cost. Our boat loan calculator is a simple and easy-to-use tool that can help you estimate your monthly payments for a fixed-rate boat loan. It is most commonly used when requesting payment for an overdue amount. Urgent funds received through. 523,552 likes · 33,812 talking about this. This one can help you determine whether the finance is appropriate along and initiate if you can supply to pay for it can. Sagot Ka ni JuanHand! | JuanHand is your partner for cash loans. For example, if you want to take out a $5,000 personal loan for home improvements, wedding costs or medical bills, you should enter that amount. Estimate your monthly payments with PMI, taxes, homeowner's insurance, HOA fees, current loan rates & more. Choose the date of your loan. Create and print a loan amortization schedule to see how your loan payment pays down principal and bank interest over the life of the loan. 05/12=0. Hit ‘Calculate’. A Filipino passport is enough to get a loan of 10k pesos. JuanHand offers loans from P2,000 to P50,000, payable within 30 to 120 days. 005 x $20,000 = $100. The website, mobile app, and service operate legally, and the process is completely automated. The loan amount may range from a minimum of Php 2,000 to a maximum of Php 15,000. As a quick example, if you owe $10,000 at 6% per year, you'd divide 6% by 12 and multiply that by $10,000. Multisys has, over the years, developed ready-to-use software and technology platforms and solutions, which readily offers to clients, partners and even other software solution. Try our loan repayment calculator. Amount 500 - 20000 php. Sill, it's up to you to decide. The Bankrate loan payment calculator breaks down your principal balance by month and applies the interest rate you provide. Сashalo will help to get loan online for any needs, right up to the payment of a mortgage. 500% with a down payment of 25% and no discount points purchased would result in an estimated monthly principal and interest payment of $2,933 over the full term of the loan with an annual percentage rate (APR) of. Input. Cons of Savii Loan App. i = your monthly interest rate. Juanhand is often a capital link which offers Filipinos to be able to borrow income online. A Juanhand loan is the monetary sum that users can borrow through the app. Payment Terms. There are several charging choices to use. The interest rate will be reflected. ₹. small m {943. The JuanHand cash fast loan in 15 minutes in Philippines calculator provides the borrower with the approximate monthly payment of the borrowed amount and helps the borrower determine his or her ability to pay the money back. Crezu. 61/5. An FHA streamline allows for one late payment in the last 12 months, as long as it was more than three months ago. Home Credit PhilippinesHow to calculate a home equity loan. These show that there will be a different interest rate that depends on the said factor. Personal loan amounts are from $1,000 to $100,000. The results will. JuanHand is one of the leading fintech platforms in the Philippines offering cash loans. FHA loans, are designed to help first-time buyers purchase a home with a low interest rate. The JuanHand loan app is a microfinance supplier that delivers temporary lending services. The summons were addressed to operators of the following online lending apps: 1. You can talk with family or friends, or use the services of a bank. 75% (Current UFMIP rate) = $5,066 UFMIP. Loan repayment exampleYour monthly mortgage payment is made up of principal and interest, and that's what our calculator shows. For example, you entered a 91-day loan in JuanHand with an interest rate of 12% while the principal amount is PHP 10,000. 25% with a down payment of 10% or more. Interest rate 12% per month. Credit Cards. Thu. The company offers loan amounts ranging from ₱2,000 to ₱15,000. If you need urgent money, try tonik bank loan or Cashalo loan service. com Carrera 50 #72-125 Barranquilla, ColombiaJuanHand. thu. The vast experience of 100 million users proves the effectiveness and relevance of Juanhand loans. n. Cashmoney loan 14. To find the cost of a loan that uses factor rates, multiply the factor rate by the principal to determine how much you pay back. 08) / (1-1/ (1+0. 78 in interest over the life of the mortgage. Currently 4. Step 5 – Wait for the loan approval. For example, a calculator can help you figure out whether you're better off with a lower-interest rate over a lengthy term or a higher interest rate over a shorter term. To determine the Billease 2nd loan amount, you might have searched “how much 2nd loan in Billease”. Payments: Multiply the years of your loan by 12 months to calculate the total number of payments. View home equity line of credit rates. Terms and conditions available on application. number of payments over the loan’s lifetime Multiply the number of years in your loan term by 12. It first offered. Download JuanHand-online cash loan App and enjoy. The work to calculate monthly payments is shown below: This means that every month you will pay $377. Juanhand is definitely an on the internet financing program that was approved by the Juanhand can be a pay day improve request so that you can obtain a advance any time and begin wherever you desire. [2] What is a JuanHand Loan? A JuanHand loan is the amount of money lent to qualified individuals who need quick cash. Note: Please note that the results from this calculator is for illustration purposes and are indicative only. Taking out a loan in three steps. 5%. If repay within 30 days the interest is 15. Credit and collateral subject to approval. Our mortgage calculator can help you estimate your monthly mortgage payment. The service offers an opportunity. Go to Lazada APP and go to the "Loans" 2. For Peso account, maximum of 90% of the deposit account balance. 7-eleven store locator. Juanhand Online Lending App Honest Review. If. It’s got a top approval movement which is easy to use. The formula to determine loan EMI amount. (Lemon Loan), Cash8 Lending Corp. How to Apply: There are 3 ways to get access to Home Credit’s various loan products: Download and apply via the Home Credit app. Tue. TREASURE BOWL FINTECH LENDING CORP. Ayon sa aming pagsasaliksik, isa-isahin natin ang mga kabutihan na naidudul. Go to Lazada APP and go to the "Loans" 2. Since JuanHand is a Fintech platform, their loan application process is 100% online. The calculator can also take the fees into account to determine the true annual percentage rate, or APR for the loan. Juanhand is a Fintech podium that provides money credit inside time. This is the amount you owe on the loan, or what you borrowed minus your down payment. Juanhand offers loans for PHP 50,000 or less, and is. Adjust your numbers. 99% and 7. Furthermore, right away you have the opportunity to find out the interest rate. To calculate your EMI, just enter the loan amount, rate of interest and loan tenure, and your EMI is instantly displayed. The flat rate and the reduction rate is 3. JuanHand is a safe and secured money-lending company that started in June 2019. Marami nag sabi na nag bago na raw tong si Juanhand loan app, kaya sinilip ko yung process. i = your monthly interest rate. The calculator has four tabs: "Amortization schedule" has the graph. PeraLending has a really straight forward application process. The simple loan calculator view gives you the basics of what you need to know about your loan. 25 or greater. The application is downloadable on Google Playtore and App Store, don’t miss out and install it now! Each loan. Annual percentage rates (APRs) may vary based on the applicant’s credit risk profile. It also partners with Lazada to provide spending credits for online shoppers. 17. There are options to include extra payments or annual percentage increases of common mortgage-related expenses. JuanHand App Philippines supplies a wide variety of opportunities that may allow clients to handle financial conditions. A juanhand calculator can be a apparatus so as to decide on the money that you should borrow. 5% per annum, payable in up to. Applying for a loan online is significantly more convenient. $300,000 purchase price - $10,500 down payment = $289,500 base loan amount. There are also loan processing fees and service charges. 3% and tax. To borrow from your TSP account, you must be a federal employee in pay status. The Landbank is a financial institution in the Philippines, which the government owns. 5k reviews) JuanHand is a loan app in the Philippines that offers quick and easy loans to users. This car loan calculator will help you visualize how changes to your interest. Posted on November 17, 2023 November 17, 2023 by rebekahsing. Fri. Total loan amount $. Account for interest rates and break down payments in an easy to use amortization schedule. Having such knowledge gives the borrower a better idea of how each payment affects a loan. 000 PHP with a loan term of 90 days – 12 months. Total debt service = $2,750. Maximum Loanable Amount – P15,000. A property price range estimate is an estimate only. Your loan term is the amount of time you have to pay back your loan — you’ll often see the term expressed as a number of months. The loan calculator featured on this page uses the following formula to calculate repayment figures: PMT = [ r + r / ((1+r)^t -1) ] x P. 9%, and 1. Ex: if you get PHP 2,000 in 30 days, you have to repay PHP 2320 to PHP 2360. 3. Besides, this company also creates many big opportunities for start-up businesses to fuel their dream. Date: A. For example, a 30-year fixed mortgage will have a lower monthly payment than a 15-year fixed but will require you to pay more interest over the life of the. Follow the steps in our Laz Loans Page & finish your application # SagotKaNiJuanHandA loan may range from ₱1,000 to ₱10,000. Use the "Fixed Payments" tab to calculate the time to pay off a loan with a fixed monthly payment. It also has a cash-out option, making it convenient for you to cash out your loan in a matter of minutes. He can calculate his payable EMI using the above mentioned formula. If you are one of the first 5 successful loaners during the campaign period, you will win Lazada Gift Cards equivalent to Php 60,000 for your All Year Round Electric Bill. Periodic rate: this is the interest rate charged by a lender or paid by a borrower in each payment period. Avoiding Mortgage Scams. Borrowers with strong credit and income are more likely to qualify for large loan amounts. Follow the steps on our Laz Loans Page & finish. With its easy-to-use interface and powerful features, JuanHand is the perfect app for anyone looking to manage their finances. This translates as a cost of borrowing. See f. CSC201800209 and Certificate of Authority No. Payment Terms. In an emergency, a lending company can be a valuable resource. Funding a loan. For the figures above, the loan payment formula would look like: 0. We are your partner app for cash loan! | #SagotKaNiJuanHand CONTACT US AT: 09190599918 (02) 85390150 Juanhand loan app is a platform for peer-to-peer lending that provides borrowers with loans that have adaptable terms and reasonable interest rates. JuanHand is a leading fintech platform in the Philippines providing quick, seamless, affordable financial access to the credit worthy yet underserved. Sliders can be control with arrow keys on your keyboard. Shedule 9:00 to 18:00. To take a loan in Juanhand, you need to provide some basic information about yourself, including your name, address, and email. Choose a repayment method, you can choose either to pay via a bank, an e-wallet, or a remittance center. Minimum salary of AED 10,000 is required. Create amortization schedules for the new term and. Use our home loan EMI calculator, input the loan amount, the rate of interest and the loan tenure. There is no need to provide any further documentation, as is normally asked when applying for a loan from a financial institution. JuanHand is a leading fintech platform in the Philippines providing quick, seamless, affordable financial access to the credit worthy yet underserved. 50). JuanHand is really a safe and sound means for people who ought to have payday inside Germany. Read reviews, compare customer ratings, see screenshots and learn more about JuanHand-online cash loan App. Home Page 27 Apr JuanHand0 Comments Juanhand: How to Choose the Best Loan App for Your Needs With so many loan apps available, it can be overwhelming to choose the right one for your needs. Determine how much money you need and how much you can afford to repay each month. JuanHand, we lend our hand to save another Juan! WeFund Lending Corp. If you are looking for a higher amount cause you need to fund something big, then try bank loans instead. The calculator updates your estimated VA loan payment as you change the fields. Paymaya CashniJuan Loan. Loan application form according to the specific form of each bank. As of this writing, JuanHand is the FIRST AND ONLY OLP to have its temporary ban lifted and can now again process personal data. It also determines out how much of your repayments will go towards the principal and how much will go towards interest. , you are effectively paying 14. is a Philippines company providing various loan services that small and medium enterprises can trust to borrow money without worrying about anything. For example, CIMB. Step 4 – Select the loan amount and loan term to begin your loan application. In the case of used cars, you might have to make a 20% down payment, so the loan amount can only be 80% of the car’s value at maximum. Maxium loan amount is up to PHP 50. Juanhand first loan amount 2500 pesos for 1 month at an interest rate of 15% per month. Similarly, Acom Consumer Finance Corporation operates under the brand name ACOM – Fast Cash Loan. Maintainance = $200. Also offers loan performance graphs, biweekly savings comparisons and easy to print amortization schedules. JuanHand can approve loans in less than 5 minutes and can disburse cash to the borrower's bank or e-wallet in less than 45 seconds. With JuanHand’s service, Filipinos no longer have to worry about not being able to pay back the loan. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of. This calculation is accurate but not exact to the penny since, in reality, some actual payments may vary by a few cents. Type in your mobile number at the empty field, and “Get Code. 37. 20 total interest paid. Federal Housing Administration (FHA) loan calculator. A loan may range from ₱1,000 to ₱10,000. It’s looking to give out quick finances to those who find themselves in need. Mortgage pre-qualification is an informal evaluation of your creditworthiness and how much home you can afford based on self-reported information like your credit, debt, income and assets. In addition, this service is provided to all adult citizens of the country. Explore Bankrate's expert picks for the best home equity lines of credit. , Address: 16F World Plaza, BGC, Taguig City, Philippines 1634. Home Page 27 Apr JuanHand0 Comments Juanhand: How to Choose the Best Loan App for Your Needs With so many loan apps available, it can be overwhelming to choose the right one for your needs. If you pay ₹ 1600/- as processing fees for a computer worth ₹ 40,000/- under a zero percent EMI scheme with a tenure of 6 months, your loan APR is 14. In Arizona, The Grand. Get a clear breakdown of your potential mortgage payments with taxes and insurance included. 1 to 30 days: 200P. (User may use this link to be directed at Lazada Loans: 3. UFMIP is calculated by taking the upfront premium rate and multiplying it by the FHA base loan amount. Step 1: Open the Lazada app on either an Android or iOS device. Conforming fixed-rate estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 6. tue. Enter your details and receive a loan quote with no strings attached (you have 30 days to consider our offer). All loans are subject to standard credit approval. 60. Where: PMT = monthly payment amount; r = annual interest rate (decimal) / 12; P = principal loan amount; t = time in months ^ =. How to use the debt consolidation calculator. It also calculates the monthly payment amount and determines the portion of one's payment going to interest. 99%. S. JuanHand loans – Interest Rates, Loan Limits. Loan calculator formula. Credit Software On the internet – A juanhand loan calculator convenient Way of getting Cash In the future. Get low interest cash loan for Philippine employees with ACOM Consumer Finance. JuanHand had over 10 million downloads, over 6 million registrations and approved close to 3 million loans since it was introduced in 2019. Here's some relevant terms: Monthly Payment: This figure is the minimum amount you need to pay each month to adhere to the loan repayment schedule. JuanHand Features. Be skeptical of apps that promise guaranteed approval or no credit check. Loans Types of Cashalo Cash Loans. Ang masaklap ngayon, dami ng nagtetext sa akin na number para mag offer ng online loan. 000 PHP – 20. Interest rates 11. Cashalo 12. Currently, Online Loans Pilipinas allows customers to borrow money quickly with a limit of 1. App Store Rating: 4. Tala Philippines loan interest and term. Juanhand are classified as the innovative microfinance service to get started in the country. Remember, the calculator shows you an example rather than the. credit score Time to fund (after approval) Credibly: Loan: $5,000 to $400,000: 3 months to 10 years (depending on term length)10. JuanHand is safe and secure to use and all client information is protected and encrypted, in full compliance with NPC regulations. tinry ko ulet mag loan, declined agad ni Juanhand. $950. Check your FHA streamline refinance eligibility today. Cashafin 10. For the mechanics: 1. A loan calculator is provided on the Kviku website to help you ascertain the total repayment. . You do not need to go to the bank to receive a loan of 10000 PHP. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of the year. All loans under the Cashalo Platform are financed by Paloo Financing Inc. - Service charges range from 0%-10% - Loan amounts range from PhP 500 - 50,000. To verify the legality of an app, consult the table by the company name, not the brand name. FCASH GLOBAL LENDING INC. There are a lot of loan applications everywhere but JuanHand is the best loan application that will surely cater to your needs. $22,645. The lowest APR is available on loans of $10,000 or more with a term of 12-36 months, a credit score of 800 or greater and includes discount for automatic payments from a U. 94 USD} 943. , any part associated with FinVolution Varieties, one of the main FinTech companies in Tiongkok and start listed on the new York Currency markets (NYSE: Mark FINV). - Installment terms are flexible from 2 to 12 month. The answer is no. In general, getting across the loan is a lasting and frustrating process. All promotions and promo codes JuanHand for november 2023. 18. What is JuanHand? JuanHand provides instant lending and other personalized financial services to Filipinos with a smartphone, regardless of their credit history. Loan Program. Payments: Multiply the years of your loan by 12 months to calculate the total number of payments. SBI home loans calculator, check your instalments here. A Lazada Loan allows shoppers to loan directly through the Lazada app or website and have their application gets approved within the day. You can see that the payment amount. Use the "Fixed Term" tab to calculate the monthly payment of a fixed-term loan. to support your unexpected financial needs. JuanHand interest rate is 30% maximum APR per year. Personal loan amounts are from $1,000 to $100,000. An innovative method was put in place to keep all sensitive information safe from theft and misuse. With this particular calculator, you’ll be aware how much cash you may borrow and commence which a transaction is actually. 4% to 13. Citing Google statistics, NPC said JuanHand has been downloaded over one million times; Lemon Loan and Pesopop by more than 500,000 times each; and CashJeep by over 100,000 times. If you enter your data in the calculator, it will calculate your amortization schedule. It’s that simple! Loan Amount. ₹10Cr. Juanhand loan service was established in the Philippines three years ago, and this is a project of Paipaidai, a sizeable Chinese fintech group. 000 PHP. 4. Juanhand can be a Asian-in respect mini-fiscal school that provides 24/seven online cash loans. See immediately whether you can borrow. Features. Here’s how to borrow money from JuanHand: Download the app. E = [1, 00, 00,000 x 12 x (1+12) ^ 15] / [)1+12) ^ 20-1]P = the principal amount. 3. Id. The company’s goal is to improve the Pinoy’s quality of life by providing financial assistance in seconds, whenever it is needed the most.