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"For many years, we have had ambitions to build an aquarium in the Oslo area," said Olav H. >Some Common Loans Jargon Explained
Posted by nick_niesen on November 8th, 2010
The world of personal finance can sometimes seem to have a language all of its own Wholesale Justin Patton Jersey , and it can be difficult to seperate the wheat from the chaff when comparing products such as loans. With all things financial, it's vital to have a good understanding of what you're agreeing to before you sign on the dotted line, and so here we explain some of the most common terms you're likely to come across in loan advertisements, application forms, and credit agreements.
- APR
This stands for Annual Perentage Rate, and is basically the cost of the loan. As well taking into account the interest rate you pay Wholesale Jamal Crawford Jersey , it includes any fees or charges you need to pay. For example, if two loan packages have identical interest rates, but one charges a setting up fee, then that loan will have a higher APR.
- Sub Prime
This is the industry term for applications from people with less than perfect credit ratings. Sub Prime credit is also referred to as adverse credit, and people with poor credit ratings may struggle to get an approval, and even then they're almost certain to be charged a higher rate of interest.
- Advance
This is simply the financial services industry's word for the amount you borrow.
- Term
The term of a loan is the length of time you agree to repay the debt over. Agreeing a longer term for your finance may result in a lower monthly repayment Wholesale Nemanja Bjelica Jersey , but as you're paying interest for a longer period then overall a longer term will usually mean more interest paid overall.
- Collateral or Security
For a secured loan, home loan or mortgage, you'll be borrowing money against the value of your home. Your home is then known as the collateral or security on the loan. If you fail to keep up your repayments, then the lender can sieze your property, sell it, and use the proceeds to clear the debt. Having this option means that there is less risk for the loan company Wholesale Gorgui Dieng Jersey , and so loans with collateral can be advanced to people with poorer credit ratings, and the amounts borrowed can be larger.
- LTV
LTV stands for 'Loan To Value' and is a measure of how large a loan is in comparison to the value of the collateral it's secured on. It is given as a percentage, so a loan of $80,000 secured on a property worth $100,000 would have an LTV of 80%. Lenders like to have a relatively low LTV as this means that if they need to sell a property because of a default on the loan, then they're very likely to receive enough funds to clear the debt Wholesale Tyus Jones Jersey , even if they sell at below market value.
- HLC
HLC is an abbreviation of Higher Lending Charge, which is a fee sometimes levied on loans with a high Loan to Value (LTV) ratio. HLCs are normally only imposed when you're borrowing more than 90% of the value of the security, and it should always be made very clear to you before you sign a loan agreement if one of these charges is to be made.
How antibodies went from obscure science to cutting edge science
Posted by universalposition on November 10th, 2016
Anyone in immunology will tell you that the science has expanded and extrapolated itself far beyond its original mode. Immunology itself, in fact, was a relatively quiet field of medical science until the rise of HIV in the 1980s. Before then Wholesale Kevin Garnett Jersey , people weren’t even too sure what immunology was. The occasional tumbleweed of information would roll past in a magazine, and that was about it.
Cynics in the field may excuse the following brief resume of the following decades:
The big explosion in immunology, naturally, dovetailed with the huge breakthroughs in genetics and core biology.
Add the growing “awareness” of immunology (by now even the media had grasped that it was an actual practical science, not just something in a dictionary) and the boom had begun.
Antibiotics, the staple immunological market product Wholesale Jeff Teague Jersey , hit a big roadblock with the rise of the super bugs. A new fix-everything was needed.
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