Instead, the title of marine biologist is an umbrella term that can refer to a variety of jobs and purposes, like fish biologist, microbiologist or marine mammalogist. Marine biology is the study of marine ecosystems, which can range from studying individual microorganisms to entire environments.
1 You open a savings account at the bank. 2  The bank pays you interest on the money that you deposit and leave in that account. 3  The bank then loans that money out to other people, only they charge a slightly higher interest rate on the loan than what they pay you for your account.
(Click here to learn four ways you can help lower your credit card interest rate.). How compound interest works. When it comes to a savings account, compound interest is a wonderful thing. But with a credit card balance, itâs downright scary.When you carry a balance, you end up paying interest on the interest.he first thing you need to do is stop using your credit cards. At this point, your objective is to pay off your balance to minimize the amount of interest youâll have to pay. If you have a good credit score, you might qualify for a balance transfer card with a zero percent APR introductory offer.