In order to understand the correct situation in which to use the word affect or effect, the first thing one must do is have a clear understanding of what each word means. 1  Affect is usually used as a verb. It is an action word that means to produce a change in or influence something. 2  Effect is usually used as a noun.
Shear Factor. The distance a point moves due to shear divided by the perpendicular distance of a point from the invariant line.
Money factor is the interest rate. The Money Factor is basically the interest rate you are leasing the car for. money factor is calculated by taking the actual bank interest rate of the loan and dividing it by 2400, resulting in a decimal based number. For example a car lease with an 7% loan has a money factor of .0029.