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.
The Interest Rate is an amount calculated by the lender (a percentage of the principle loan amount) that is charged to the borrower as a fee for use of the funds. The APR (Annual Percentage Rate) is the total amount of fees for use of the loaned funds, shown as a percentage charged on a yearly basis. The APR reflects the Interest Rate, as well as other fees and charges associated with the loan.