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Annual percentage rate, or APR, reflects the true cost of borrowing. Mortgage APR includes the interest rate, points and fees charged by the lender. APR is higher than the interest rate because it The annual percentage rate was created to prevent financial institutions from not disclosing fees that went into a loan to make the rate appear better than the competition. For example, an unscrupulous lender could advertise mortgage interest rates well below the competition while downplaying the associated fees, making their offer look unbeatable. The APR, however, is the more effective rate to consider when comparing loans. The APR includes not only the interest expense on the loan but also all fees and other costs involved in procuring

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Ok, the trader's gone, the llamas are still here. Still not breeding, they eat the hay bales, get hearts, nuzzle, I heard a ping sound so they seem to have dropped XP, but no baby. And then they don't take any more hay for a while.

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So why do so many people fail to earn that 10%, despite investing in the stock market? Many don't stay invested long enough. The key to making money in  Studies on day trader performance have shown that most lose money over the long term. Still, some people make a good living trading stocks and have done so