BBVD...
Factory load = bought at the store
Handload = having the tools and suplies to make your own cartridges.

Alot of people either don't like what the factory makes or they they want to improve the accuracy or velocity of a given cartridge. Most guns aren't really accurate with all loads from every manufacture. Having the ability to handload,greatly increases the chances of a shooter to make a load that performs to their satisfaction.

Anybody can learn to handload, but it takes some dedication and usually lots of range time to try out the various loads to get one you really like.
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