Annual percentage rate (APR). The annual percentage rate (APR) is the interest rate charged on credit card balances expressed in a standardized, annualized way. This rate is applied each month that an outstanding balance is present.reditCards.com's glossary of credit card definitions will help. From account holder to Regulation Z, we have defined the most-common and most-confusing credit card terms. # A B C D E F G H I J K L M N O P Q R S T U V W X Y Z.
Without the addition of emulsifying wax, they too would separate back into water and oils. Adding emulsifying wax to your recipe will keep the oil and water from separating by creating an emulsion between the oil and water.An emulsion is a system consisting of a liquid dispersed in an immiscible liquid. Immiscible means not compatible: not able to mix together to make a solution.ithout the addition of emulsifying wax, they too would separate back into water and oils. Adding emulsifying wax to your recipe will keep the oil and water from separating by creating an emulsion between the oil and water.
Emulsifying wax is considered to be one of the main ingredients in making personal care products such as lotions and creams. This is extracted from fatty acids and ester isolation from plant oils.At room temperature, emulsifying wax is solid and may be marketed as small pellets or in small tablets.mulsifying wax is considered to be as a cosmetic emulsifying agent. The word is often followed by the initials NF. This means that the wax conforms to the specification of a governing body that is called the National Formulary.