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.
A mortgage APR--Annual Percentage Rate--takes into consideration fees or costs associated with a loan that are shown to you on the Good Faith Estimate produced by a lending institution during the mortgage application process and expresses them to you as the cost of credit in relation to the amount borrowed.