Angela Colley. A mortgage â a loan to finance the purchase of your home â is likely the largest debt youâll ever take on. A mortgage is actually made up of several parts â the collateral you used to secure the loan, your principal and interest payments, taxes and insurance.
They are abbreviations for the Latin terms ante meridiem and post meridiem, and should therefore always be capitalized. Technically they should be spelled A.M. and P.M. fâ¦or the same reason, but they are most often not and it is considered correct either way.
You can specify a suffix of AM or PM to indicate if the time value is before or after 12 noon. The case of AM or PM is ignored. Hours can be specified using either a 12-hour or 24-hour clock. The hour value of 0 represents the hour after midnight (AM), regardless of whether or not you specify AM.