Am I the only one that's ever had this experience - you research and shop for a product, plowing through the web to find the best price. Inevitably, once you click the "Buy Now" button is when the problems start.

My last experience with this was during the Major League Baseball ALCS/NLCS broadcasts this year. Of course I was too cheap just to subscribe to the cable channels! I just knew I could find some kind of live feed on-line where I could watch the playoff games. After viewing several options I came across a TV-ANTS site where you could watch all the games for only $19.99! Are you KIDDING me? What a deal! Little did I know that the bargain didn't include my magic Chinese decoder glasses so I could see the game through all of the freakin' Chinese symbols and ads! What a ripoff! And to think, for an extra $5 I could have watched all the games through MLB.com's feed.

Does this happen in business? Dave and I were talking the other day and wanted to know what we had to do in order to provide an overall experience for our friends in order for the interest rate not to be the ultimate deciding factor. With the rates swinging daily by so much all too often we get the call..."Man, you guys are awesome, but my credit union can get me an extra 0.25%...sorry."  That's not a happy time for us.  Yeah, we want to close the deal and make a dollar or two, but more importantly it makes us feel like we've let a friend down.

So, I want to know your thoughts and suggestions. What would have to happen for YOU specifically in order to have the experience be more valuable than the rate?

Jason Oswald