A purchase annual percentage rate, or APR, is the interest charge that is added monthly to the outstanding balance due on a credit card. The APR on a credit card is an annualized percentage rate that is applied monthly.

The annualized rate is calculated by multiplying the change in rate of return in one month by 12 (or one quarter by four) to get the rate for the year. Annualized rate of return is computed on a time-weighted basis.

APR stands for “Annual Percentage Rate,” which is the amount of interest that will apply on top of the amount you owe on a year-to-year basis. So, if you have an APR of 30 percent, that means you will have to pay a total of $30 in interest on a loan of $100, if you leave the debt running for 12 months.

The Annual Percentage Rate or APR helps you to calculate the actual borrowing cost over a particular period. It is expressed in percentage and represents the yearly cost of loan. It takes into account the nominal interest rate and all other fees involved in getting and servicing the loan.

Annual percentage rate (APR) is the official rate used to help you understand the cost of borrowing. It takes into account the interest rate and additional charges of a credit offer. All lenders have to tell you what their APR is before you sign a credit agreement.

14%

A 24.99% APR is not good for mortgages, student loans, or auto loans, as it’s far higher than what most borrowers should expect to pay and what most lenders will even offer. A 24.99% APR is reasonable for personal loans and credit cards, however, particularly for people with below-average credit.

A Higher FICO Score Saves You Money

Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

Your Credit Karma Score May Be Insufficient Although VantageScore’s system is accurate, it’s not the industry standard. Credit Karma works fine for the average consumer, but the companies that will approve or deny your application are more likely to look at your FICO score.

740 or higher

5 Habits To Get 800+ Credit Score

1. Pay Your Bills on Time – All of Them. Paying your bills on time can improve your credit score and get you closer to an 800+ credit score.
2. Don’t Hit Your Credit Limit.
3. Only Spend What You Can Afford.
4. Don’t Apply for Every Credit Card.
5. Have a Credit History.
6. What an 800+ Credit Score Can Mean.

Conclusion: As long as you frequently monitor your cholesterol levels, there is no reason to avoid eating 4 eggs a day. If your levels change drastically*, then adjust as needed.

Here are five well-planned cheat meals to give you a metabolic boost and stop you feeling deprived of your favourite foods:

• Naked cheeseburger and sweet potato fries.
• Mac ‘n’ cheese with chickpea pasta.
• Fish tacos.
• Pancakes.
• Loaded nachos.

10 Healthy Dinners for About $10

• Vegetarian Tortilla Casserole.
• Breaded Pork Chops with Apple-Cabbage Slaw.
• Bacon and Broccoli Rice Bowl.
• Beefy Stuffed Sweet Potato.
• Bean, Kale and Egg Stew.
• Chicken, Pepper and Corn Stir-Fry.
• Spicy Fish and Olive Spaghetti.
• Quinoa with Chicken and Lentils.

Here are 15 excellent and healthy late-night snack ideas.

1. Tart Cherries. Share on Pinterest.
2. Banana With Almond Butter.
3. Kiwis.
4. Pistachios.
5. Protein Smoothie.
6. Goji Berries.
7. Crackers and Cheese.
8. Hot Cereal.

Going to bed hungry can be safe as long as you’re eating a well-balanced diet throughout the day. Avoiding late-night snacks or meals can actually help avoid weight gain and an increased BMI. If you’re so hungry that you can’t go to bed, you can eat foods that are easy to digest and promote sleep.

23 Healthy Midnight Snacks for Late Night Snacking

• Hummus and Whole Grain Crackers or Veggies. We knew there was a reason we loved chickpeas.
• Oatmeal.
• Popcorn.
• Low-Fat Greek Yogurt and Fruit.
• A Peanut Butter and Jelly Sandwich.
• Pumpkin Seeds.
• Bananas and Peanut Butter.
• A Handful of Nuts.

The Bottom Line. Physiologically, calories don’t count for more at night. You won’t gain weight by merely eating later if you eat within your daily calorie needs. Still, studies show that nighttime eaters typically make poorer food choices and eat more calories, which can lead to weight gain.

Here are 9 more tips to lose weight faster:

1. Eat a high protein breakfast.
2. Avoid sugary drinks and fruit juice.
3. Drink water before meals.
4. Choose weight-loss-friendly foods.
5. Eat soluble fiber.
6. Drink coffee or tea.
7. Base your diet on whole foods.
8. Eat slowly.

Taking Honey Cinnamon Water as fat burning drinks before bed may help you to shed some extra pounds that you gained unwittingly. 1 cucumber. Lemon Water. Apple cider vinegar eases lower blood sugar levels, removes damaging bacteria in the gut, betters digestion and splits down fat cells.