Abstract: Information technology (IT), in its myriad forms, is having a profound and palpable impact on IT users and their environments. Proposes and expounds on a framework of the roles of IT as an initiator, a facilitator, or an enabler. Illustrates the utilization of this framework by a review of the impacts of IT.
Annual Percentage Rate (APR) Annual Percentage Rate (APR) is the interest rate that reflects all the costs of the loan during a one year time period. The annual percentage rate includes loan fees and the compound interest rate during the year. There are at least three ways of computing effective annual percentage rate. 1) Compound the interest rate for each year, without considering fees.
A retainer fee is a form of pre-payment which is usually based on the lawyer's hourly rate. This advanced fee ensures that the lawyer will provide certain legal services on behalf of the client.Think of it as a down payment on the services the lawyer provides. retainer fee is a form of pre-payment which is usually based on the lawyer's hourly rate. This advanced fee ensures that the lawyer will provide certain legal services on behalf of the client.