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.
What is APR? In strictest terms, APR is Annual Percentage Rate or the rate charged for borrowing a loan. This rate is an annual rate and represents the actual cost of the loan over its entire borrowed period. Thus, transaction fees and other additional charges associated with the loan would become a part of APR. Also, it is usually represented as a percentage. Credit cards companies have various loans with different costs, which are affected by their transaction fees, rate structure, penalties and other such charges.