That is a missionary; and the blacks are not Freedmen, as you suppose, but Cannibals. Punchinello, Vol. 1, No. 7, May 14, 1870 Various It is important that we keep the missionary motive on the right basis.
Banking and Loans. Annual Percentage Rate (APR) is a tool for understanding the cost of a loan, whether it's a credit card or a mortgage. Although APR is not perfect, it gives you a nice standard for comparing interest and fees from different lenders.
The APR is the percentage cost of the credit for which you are obtaining on a yearly basis. The APR was designed by the federal government to reveal the true total cost of getting a loan. The APR includes the interest rate and other added costs such as points, origination fees, and mortgage insurance (if applicable).