Media Deprivation Sample Essay Example For Students

Media Deprivation Sample Essay In today’s society about everybody is associated with some kind of media whether they understand it or non. Media goes a long ways past the run of the mill figuring machines. broadcasting. remote. or on the other hand papers. Truth be told. media ranges from picture taking and picture betting to automobiles. planes. coachs and washing machines and vacuities. When tested to take myself from media for 8 continuous hours. my first thought was that it was making a trip to be unthinkable. In spite of the fact that it was hard from the outset to entirely cut myself off of what was so overarching in my life. it was in truth conceivable. My first hr of the need began around one o’clock toward the evening. To get down things off my individual. Chris. what's more, I made ourselves a superb tiffin. We made jambon and turkey sandwiches with cheddar. boodle. also, tomatoes on a toasted entire wheat staff of existence with nectar mustard to include a little spot of a pinch to everything. Chris other than made me caramel dim hot cocoa in his extravagant Keurig java shaper. After we had plunked down and completed our tiffin we strolled to a close by park. or possibly I thought it was close by when I had the option to drive my auto. For reasons unknown, what ordinarily takes simply roughly 10 proceedingss driving winds up being about an a large portion of a hr strolling. During our stroll to Perinton Park. we played a game called xanthous auto. The objective if this game is to name out â€Å"yellow car† at whatever point you see one going in the road. stopped in a private street or stopping clump or any place one might be. The guidelines to this game are that you can non name the auto on the off chance that it is an organization auto. on the off chance that the auto is a xanthous clout roadster so it considers two cars. also, in the event that you consider an auto that is non xanthous. is an organization auto. or on the other hand the auto has been called by individual else. you lose a point. At the terminal of the twenty-four hours whoever has the most focuses wins! In spite of the fact that it is rather hard to larn all the guidelines and to get all the xanthous cars. it is a pleasant way to engage yourself and to experience the clasp while strolling. Inside my first hr of the media need my feelings were non any not the same as they were before I gazed. In spite of the fact that my telephone had been killed for about a hr. I really had no inclination to investigate it or to turn it on to perceive what was go oning with my companions or family unit. I had no sentiments of tension or boredom like I anticipated that I would. I as truly encountering sensibly great and was holding a cheer cut. At the point when we in the long run got to the recreation center we plunked down on one of my preferred xanthous instability seats and Chris drew a genuinely surprising structure. For around 45 proceedingss I sat in stunningness and watched him do whirling. exquisite lines. He made about ideal circles in orange and green that were changed into different harmony marks. Crisscrosses of blues and purples. irregular structures that poured onto the paper from his head had me hypnotized. We discussed class while he was pulling. however, to a great extent of little things like what my work plan was or what yearss he needed to work. We discussed school and our folks. about the earth that individuals manage when they are companions with specific individuals. I would gaze upward from his paper loaded up with shading and motivation and see an old wedded pair strolling down the trench way keeping authorities and strolling their little old Canis familiaris. I would see a little male offspring of conceivably 8 or 9 siting his bike with affirmation. directly behind him was his male parent on his ain bicycle. What I saw helped me to remember those old plugs for Kodak where it the commentator said it was a â€Å"Kodak minute. † To me. the scene that was happening in the recreation center was my extremely ain Kodak minute with a wide range of individuals united however one regular association. this park. Vegetarianism EssayWe in the end got back spot and concluded that we would hold lemon crusted poulet with parmesan holy messenger hair pasta. Not having the option to use the internet or cookery books to look into any equations. we needed to improvize. Our lemon crusted poulet was really only chicken with bread scraps and lemon pressed onto of it and our parmesan heavenly attendant hair pasta was from a crate so it was anything but difficult to bubble H2O with some milk thus include the pasta and flavorer. Acerate leaf to express the poulet was non each piece mouth-watering as we had trusted yet the pasta was rather superb. By the clasp we were finished taking care of and tidied up the kitchen and did the dishes it was one-fourth to 8. We had somewhat more than a hr to murder and I was encountering sensibly acceptable about voyaging this clasp without media. In spite of procuring disappointed when Chris advised me that we weren’t permitted to use the figuring machine to look into supper equations. I was satisfied and pleased with myself for going around 7 hours without any media of any kind. I was non truly disturbed about what my companions may be accepting since I hadn’t addressed any messages that I may hold got. be that as it may, I was a little disturbed about what my mama was accepting. that was on the off chance that she had even called or messaged me. To experience the closing stretch of this endeavor Chris and I played Clue and Monopoly. I non only made up for myself from the abashing open introduction during circles yet I overwhelmed in both Clue and Monopoly. I deciphered the clues that brought about Professor Plum being the outlet in the kitchen with the lead cantina. Despite the fact that we were non ready to finish our round of imposing business model. we included our monitory incentive in effects and the aggregate of cash we had left from the earliest starting point and I other than beat Chris in that game each piece great. Similarly in the blink of an eye as nine o’clock struck I let out a suspiration of mitigation and said â€Å"I did it! † and quit playing Monopoly. I was glad to such an extent that I had the option to express that I had gone 8 hours without any media. The principal thing I did was twist on my telephone and deferral for all the messages to come in. To my setback. the solitary message I had was from my female parent. Not just was it only sort out my mama. be that as it may, it was just a one sentence message asking when I was venturing out to be place. I understood that I was non that connected to media as I initially suspected. I other than went to the choice that the solitary existent ground I am on my telephone so much is only in light of the fact that I am exhausted and feel like I have to look occupied. This sentiment of holding to look occupied or involved originates from the ever going ever changing universe that building and media has made. Indeed, even in the more youthful coevalss it is socially engraved in us that we need to hold a media with us consistently. In the event that you do non hold a mobile phone you aren’t â€Å"cool† on the off chance that you don’t have the most up to date form of the iPod you’re named as obsolete. Everybody needs to hold the greatest and the best. We need 50 broadcasts when we go to a cantina so we can jar supplement in our oral depressions like a robot while we get greater beguilement eating up the media we are presented to than the supplement that we are payin g for. On the whole. media is ever around us and the solitary genuine way for us to procure off from it is to go discerning, all things considered, and to so take yourself from it.

Should life imprisonment without the possibility of parole replace the Research Paper

Should life detainment without the chance of parole supplant capital punishment in California - Research Paper Example Advocates of the Death punishment accept that individuals dread demise and if passing is the discipline for slaughtering somebody, they would avoid it. They accept that so as to have an only framework set up where the victim’s family is put to ease it is critical to have tit for tat approach. The criminal is liable of taking someone’s life so he is at risk to surrender his. On the off chance that the individual is intellectually temperamental to have done so it makes him increasingly perilous to the society’s prosperity and executing him is the best way to guarantee such wrongdoings don't occur through his hands once more. In any case, rivals of capital punishment have a solid perspective also. They accept that each life is valuable and shouldn’t be abandoned. On the off chance that ending a life is a wrongdoing, nobody ought to be permitted to do it, including the legislature. On the off chance that a criminal is blameworthy perpetrating of capital offense he ought to exposed to disciplines that remove his life allegorically, not truly. Likewise, many accept that removing a criminal’s life is excessively simple on him, the genuine discipline would be him having a hard existence that prologs his sufferings for the wrongdoing he carried out. Executing a capital punishment is exorbitant for the administrations as such cases are pursued for quite a while bringing about jury uses and security game plans for the courts. Ultimately and in particular, it is ethically off-base to end an actual existence to stop violations when a similar reason can be accomplished through different methods viably like existence without any chance to appeal. The authorization of capital punishment is exceptionally reliant on the society’s develop and the general sentiment (Wood 63). On the off chance that a general public holds solid political and ideological intrigue, all things considered, capital offenses are granted exacting disciplines like capital punishment to keep up the cultural parity and sacredness of its socio-political belief system. Also, popular conclusion is a determinant of having capital punishment set up. Where numerous individuals have a compassionate methodology with a weakness for life as a rule, regardless of whether a convict’s or a victim’s, numerous individuals despite everything accept that capital punishment is the best way to keep violations at their negligible and carry help to the victims’ family. In the creating scene, capital punishment apparently is a functioning type of equity, however the created nations likewise make some hard m emories putting it to an end. Most definitely, 31 states out of 52 states in the U.S. still practice capital punishment, including California. In 2006, the District Court judge pronounced that capital punishment was against the eighth amendment of the United States constitution that expresses that the national government is subject to abstain from unfeeling disciplines including torment and bizarre disciplines. The then legislative head of California, Arnold Schwarzenegger, took this announcement

Homeopathy :: essays research papers

Samuel Hahnemann, a splendid German clinical specialist and scientist, built up the study of homeopathy toward the finish of the eighteenth century. He was reacting, to some degree, to his anxiety that a larger number of individuals were biting the dust from clinical medicines than from their infections. Hahnemann accepted that the reason for clinical treatment ought to be to reestablish wellbeing rapidly, tenderly and for all time at all destructive way without harmful side-effects or the concealment of manifestations which would just return. His work and standards have been continued and created by many devoted homeopaths right to the current day. Homeopathy currently lays on the firm establishment of Hahnemann's work and around 200 years of all around reported, fruitful mending experience. Hahnemann's core values despite everything apply today in the act of old style homeopathy, however his measures are in any case once in a while met in spite of the considerable number of upgrades and advances in purported present day medicine.The True Classical Homeopathic Approach to CureFundamental to traditional homeopathy is the view that we are each a synergistic entire, all aspects of our wholistic being affecting each other part. It is the blend everything being equal and how they are experienced by the person which ought to be tended to in endeavoring to fix that individual and their issue. At the point when somebody has a medical issue, it is the entire individual that has the issue. The issue doesn't exist in separation from the individual. They can't just place the issue in a crate and overlook it. In this way, when endeavoring to fix that individual it is the entire individual that ought to be thought of, not just what is believed to be a disarranged piece of the individu al. This is the wholistic approach of traditional homeopathy. This is as opposed to the regular way to deal with sickness which frequently misrepresents it as one disengaged side effect or gathering of indications, as an issue influencing just a single part or part of the body and individual. The "sloppy approach" to homeopathy is blameworthy of a similar practice. Old style Homeopathy, on the other hand, endorses cures on an established premise, treating the whole individual, their side effects and modalities. To show up at the effectively picked solution for a ceaseless issue, the itemized instance of all parts of the individual must be taken. The genuine traditional homeopath dives into the expansive assortment of indications and characteristics of the individual, their whole mental, enthusiastic and physical make-up. This requires a top to bottom feeling of the patient, a sharp affectability to them which can get a handle on their gestalt, that totality of the individual and the coordinating cures which rises above the minor entirety of their parts.

La Belle Dame Sans Merci Analysis Essay Example

La Belle Dame Sans Merci Analysis Paper La Belle Dame Sans Merci is a symbolic sonnet that utilizes old stories and custom to speak to thoughts regarding life and approaching demise. These two standing out topics are spoken to from the utilization of nature as a mediator for the creators symbolism and expression all through the twelve refrains of the sonnet. We can relate the feelings passed on by the youthful, biting the dust knight to the creator, who was additionally exceptionally youthful at that point and was kicking the bucket of tuberculosis. Refrains 1 2 Refrain one opens with an obscure persona in the third individual. This recommends a ubiquitous, puzzling being that is aware of the subject. The obscure individual quickly addresses the subject as the knight-at-arms who is separated from everyone else and palely standing around. This obscure speaker is an uncertain character; he could be an insignificant bystander that asks the knight what afflict thee or perhaps a voice inside the knights head urging the knight to get himself from an existence where no fowls sing. The creator utilizes nature to portray the condition of the knight, for instance, the wilted sedge could represent the knights terrible wellbeing. The subsequent refrain opens, rehashing the main line in the principal verse. We will compose a custom exposition test on La Belle Dame Sans Merci Analysis explicitly for you for just $16.38 $13.9/page Request now We will compose a custom paper test on La Belle Dame Sans Merci Analysis explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom paper test on La Belle Dame Sans Merci Analysis explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer The second refrain at that point proceeds to portray the knight as rough glancing in reality as we know it where the harvests done. This gradual reiteration shows an alternate point of view on the knight. The principal depiction in refrain one proposes an entire world that is hopeless, however the subsequent verse portrays a world that has once been a decent spot to live in as the squirrel has filled his silo. Could this voice portraying the initial two refrains have caused the subject to understand that on the off chance that the world was once extraordinary, at that point why cant it be incredible once more? Or then again could the closure gather mean the finish of the knights life and satisfaction? Refrains 3 6 Refrain three opens with the first individual, the lovely voice is presently the knight himself. He sees a lily on thy temple, lilies are related with death and this is the thing that he predicts on his forehead. Additionally on his temple are anguish and fever-dew, this could propose that the knight-at-arms resents the way that he is kicking the bucket as he might be youthful, similar to the creator, with a full life in front of him. In that line is some consonance which makes a s sound: as the s sound is regularly connected with murmurs and quietness, the knight might need to keep his anguish damp mystery since he is a respectable figure, a knight, that must not be seen irate at what is befalling him. He at that point sees a blurring rose on his cheeks, roses are related with excellence and he sees himself blurring endlessly. The following line keeps this topic of blossoms by saying that the rose, his magnificence, is quick wilting. The inconclusive article is utilized to portray t hese two blossoms: maybe in light of the fact that he isn't acquainted with these two images and they are not yet an element of his individual. Refrain four proceeds in the primary individual when the knight meets a woman in the meads. He portrays her as delightful and has wild eyes. In past refrains, the utilization of nature is a physical describer however it is presently being utilized as a figurative one. In refrain five, the woman he meets takes a gander at him as she did adore and made sweet groan. The vagueness of the line could propose assault or intercourse; the sweet groan could suggest sex, or conceivably a sweet groan of satisfaction that she had discovered love. On the off chance that it was proposed to be assault, at that point I accept an enjambment would be set before the sweet groan as the circumstance would be a fast one. The 6th refrain begins to indicate that the woman is potentially charmed or of mystical powers as she sings a faerys melody. As the subject removes her on his pacing horse and sees nothing else except for her throughout the day. This could have physical or allegorical undertones that it is possible that he is near her and taking a gander at her the entire day or that the idea of cherishing her is immense to the point that he can't consider whatever else. These last three refrains talk about what the knight does to the woman, yet this will before long change to what the woman does to the man, conceivably recommending an adjustment in mastery. Refrains 7 9 Refrain seven opens with she discovered me underlying foundations of relish sweet. This is distinctive to the past verses which open with I made, I met. I accept this proposes a move in control. Here we discover another reference to her paranormal being as she appears to make an elixir of relish and sustenance dew and afterward says I love you in language peculiar. This could be communicating her adoration, or potentially a spell? Refrain eight opens with a difference in area as the woman removes the knight to her elfin grot. It is there when she sobs as something has unexpectedly vexed her. On the off chance that the peruser accepts that the sonnet depends on assault, at that point it may be the case that she cries of embarrassment that she has been assaulted. Possibly she has been assaulted as the youthful knight is biting the dust and needed to satisfy masculine needs before his end. Then again, the peruser may imagine that she is crying since her genuine romance is kicking the bu cket. Possibly the elixir that the woman made was to help fix him, or perhaps it has accomplished more awful than useful for the knight. We can educate that he is regarding to bite the dust as in the ninth refrain, he is quieted snoozing and dreams the most recent dream he ever imagined. This past tense proposes that he is composing this sonnet or verse after death. Verses 10 12 The tenth verse opens in the most recent dream. I accept this fantasy to be a describing, both genuinely and figuratively, of the knights short life. He sees pale warriors in the spot he is in, all passing pale proposing that he is in a position of dead bodies, either a burial ground or existence in the wake of death. He longs for men of intensity rulers, sovereigns and warriors which could recommend what his desire were. He at that point hears them cry La Belle Dame Sans Merci, they have likewise been related with the woman that the knight met in the meads. The starved lips depicted in refrain eleven may propose that the woman starved them or captivated them in manners that malnourished them, perhaps not out of vindictiveness, yet her charms didn't work for people which could clarify the hypothesis that she is shouting out of blame in verse eight. The last refrain floats once again into the present, clarifying the outcomes of his fantasy, back on the planet that he began in when he met the woman. The word visit recommends he might be there for quite a while, and is perhaps searching for another genteel the Belle or possibly her. The spot might be damnation where individuals like the Belle stunt you into adoration just to get yourself increasingly discouraged. The sonnet passes on the message that adoration can raise individuals out of the most exceedingly terrible spots, and that you ought to consistently accept open doors and carry on with your life to the full as no one can really tell when it will end. Subject The subjects going through the sonnet are passing, life, love and enchantment. The knight is going to pass on however approaches having perhaps the greatest days of his life by meeting the woman that he cherishes and she adores him. There is vulnerability whether the woman is charmed o if the knight just considers her to be captivating with her adoration. In the long run the knight bites the dust and considers his life. The differentiation of topics in this sonnet is conceivably one of the most powerful differences existing, life and demise. They make uncertainty out of basic ideas as they are so incredible and profound. The most significant good from the sonnet is that affection can conquer demise, in any event, looming passing, and that adoration can make even a perishing individual glad. Symbolism The symbolism from this sonnet is for the most part made through nature and the examination of livings things to figurative things. The nature being depicted clarifies how the subject is acting and feeling, for instance, the harvests done recommends that his life is done and it is his opportunity to pass. The creator utilizes naturalistic images, similar to lilies and roses, to clarify the beautiful voices circumstance and contrasts them and what they represent. Sounds As I portrayed previously, the creator utilizes consonance to both intrigue to the faculties and conceal a more profound significance. Not exclusively does the utilization of consonance is the expression anguish wet give aural quality, however the s sound likewise infers mystery of the anguish. With little similar sounding word usage, and solid sound changes, the sonnets words are considered and represented longer than a typical one would. Structure The sonnet is written in a number and has the rhyme plan of ABCB. Each line has eight syllables to it, with the last line of every refrain differing from four to five syllables. There are twelve refrains of four lines, totalling in a forty-eight line number. The nonattendance of withdrawal to fit the rhyme conspire demonstrates that the creator pondered over every single word. Lingual authority The steady reiteration in the initial two verses not just spoke to the faculties as a sorted out piece, yet in addition recommended further importance and thought in the knights musings. The starved lips express additionally conjures thought with regards to why these individuals of high authority were starves, kept from air in a strangulation, kept from food, food that starved them? Authorial Intention I accept the creators goal was to pass on his feelings through an anecdotal character that would permit the creator to misrepresent certain parts of his disease and get on specific emotions that he has felt during his short life. Realizing that he was to bite the dust as the two his folks kicked the bucket of the malady that he contracted, I accept the creator predicts the most exceedingly terrible for himself and over burdens the circumstance. He, just as the knight, is enamored while he is biting the dust and furthermore feels furious that his life and love is to be stopped. Once more, this might be a tribute to his sweetheart as the sonnet passes on a message t

How (and Why) to Calculate the APR for Payday Loan

How (and Why) to Calculate the APR for Payday Loan How (and Why) to Calculate the APR for a Payday Loan How (and Why) to Calculate the APR for a Payday LoanSure, you may know that taking out a payday loan is generally a bad idea. Youve heard a horror story or two about something called rollover, but if youre in a jam, you might find yourself considering swinging by the local brick-and-mortar payday loan store or looking for an online payday loan. Its just a one-time thing, you tell yourself.It only gets worse from there Once you start looking at the paperwork or speaking with the sales staff, you see that your payday loan will cost only $15 for every $100 that you borrow. That doesnt sound that bad. But whats this other number? This APR of 400%? The payday lender tells you not to worry about it. He says, APR doesnt matter.Well, lets just interrupt this hypothetical to tell you this When youre borrowing money, the APR doesnt just matter, its the single most important number you need to know.APR stands for “annual percentage rate,” and it’s a way to measure how much a loan, credit card, or line of credit is going to cost you. APR is measured on a yearly basis and it is expressed as a percentage of the amount loaned. “By law, APR must include all fees charged by the lender to originate the loan,” says Casey Fleming (@TheLoanGuide), author of The Loan Guide: How to Get the Best Possible Mortgage.But just because a loan or credit card includes a certain fee or charge, you shouldn’t assume that it’s always going to be included in the APR. Fleming points out that some fees, like title fees on a mortgage, are not considered part of the loan origination process and thus not included in APR calculations.“Are DMV fees connected with a title loan? Some would say yes, but the law doesnt specify that they must be included,” says Fleming.According to David Reiss (@REFinBlog), a professor of law at Brooklyn Law School, “the APR adds in those additional costs and then spreads them out over the term of the loan. As a result, the APR is almost always higher than the interest rateâ€"if it is not, that is a yellow flag that something is amiss with the APR.”This is why it’s always a good idea to read your loan agreement and ask lots of questions when applying for a loanâ€"any loan.APR can sometimes be a tricky measureIf you’re talking about long-term financial products like mortgages or credit cards, APR can get complicated in a hurry.With mortgages, there can be a ton of fees involvedâ€"some of which might very well be excluded from the APR. And with credit cards, your interest usually ends up compounding on a daily basis, which means that you’ll end up paying more than the stated APR.What does “compounding interest” mean? Well, it means that your interest charges get added to your principal loan amount, which means that you start getting charged interest on your interest. Fun, right?One more way that APR can be misleading has to do with amortizing installment loans. With these loans, which are paid off in a series of equal, regu lar payments, a certain portion of each payment always goes towards your principal loan amount. As the principal goes down, the amount of money that is accrued in interest goes down too.The APR is a measurement of the cost of a loan over its lifetime, calculated from the snapshot of the origination date.” Says Fleming. “If you were to calculate the APR over the balance of a loan midway through its term the number would be different because the advance fees and interest have already been paid. “Payday Loan APRs are simple (and simply unacceptable)Compounding interest isn’t something you’ll have to worry about with a payday loan. The principal stays the principal and the interest stays the interest.And payday loans don’t amortize either. The interest you pay on a payday loan is usually referred to as a “finance charge” and it is a simple fee based on the amount you borrow. For instance, a $300 payday loan that costs $20 per $100 borrowed would have a finance charge of $60.When considering a loan, you’ll definitely want to make sure it doesn’t include any hidden or additional fees (read more in the eBook How to Protect Yourself from Payday Loans and Predatory Lenders). Other than that, calculating the APR should be a good way to calculate just how expensive that loan is compared to your other options.In fact, you’ll probably be pretty surprised.How to Calculate APR for Payday LoansWhen calculating the APR for a payday loan, you are going to need three pieces of information.The principal loan amount, or how much money you are borrowingThe amount you’re paying in interest on the loan, also referred to as the “finance charge.”The length of the repayment term, or how long the loan will be outstanding.Got that? Okay.To make things a bit easier to understand, let’s use an example:Payday Loan #1 has…A principal loan amount of $400An interest amount/finance charge of $80 (a rate of $20 per $100 borrowed)A repayment term of 14 days.First, y ou’ll want to divide the interest/finance charge by the loan principal:$80 / $400 = 0.2This tells you how much you are paying relative to how much you are borrowing. 0.2 translates to a rate 20%, which means that you are paying a 20 cents on every dollar that you borrow.Next, you’ll want to multiply that result by 365, for the number of days in a year:0.2 x 365 = 73Next, you’ll want to divide that result by the length of the repayment term:73 / 14 days = 5.214285That final result basically states that, if your payday loan were to be outstanding for a full year, you would pay over 5 times the amount you originally borrowed in fees and/or interest. To convert into APR, just move the decimal point two spaces to the right and add a percentage sign:521.43% APR(Thanks to ConsumerFed.org for this formula.)Why is the APR for payday loans so high?According to David Reiss, “The APR takes into account the payment schedule for each loan, so it will account for differences in amortizatio n and the length of the repayment term among different loan products.”Keep in mind, that the average term length for a payday loan is only 14 days. So when you’re using APR to measure the cost of a payday loan, you are essentially taking the cost of the loan for that two-week period, and you’re assuming that that cost would be applied again every two weeks.There are a little over 26 two-week periods in a year, so the APR for a 14-day payday loan is basically the finance charges times 26. That’s why payday loans have such a high APR!But if the average payday loan is only 14 days long, then why would someone want to use APR to measure it’s cost? Wouldn’t it be more accurate to use the stated interest rate? After all, no one who takes out a payday loan plans to have it outstanding over a full year…Short-term loans with long-term consequencesBut here’s the thing about payday loans: many people who use them end up trapped in a long-term cycle of debt. When it comes time f or the loan to be repaid, the borrower discovers that they cannot afford to pay it off without negatively affecting the rest of their finances.Given the choice to pay their loan off on time or fall beyond on their other expenses (for instance: rent, utilities, car payments, groceries), many people choose to roll their loan over or immediately take out a new loan to cover paying off the old one. When people do this, they are effectively increasing their cost of borrowing.Remember when we said that payday loans don’t amortize? Well, that actually makes the loans costlier. Every time the loan is rolled over or reborrowed, interest is charged at the exact same rate as before. A new payment term means a new finance charge, which means more money spent to borrow the same amount of money.“As the principal is paid down the cost of the interest declines,” says Casey Fleming. “If you are not making principal payments then your lifetime interest costs will be higher.”According to the Consumer Financial Protection Bureau (CFPB), a whopping 80% of payday loans are the result of rollover or re-borrowing and the average payday loan customer takes out 10 payday loans a year.Reiss says that “the best way to use APR is make an apples-to-apples comparison between two or more loans. If different loans have different fee structures, such as variations in upfront fees and interest rates, the APRs allow the borrower to compare the total cost of credit for each product.So the next time you’re considering a payday loan, make sure you calculate its APR. When it comes to predatory payday lending, its important to crunch the numbersâ€"before they crunch you!About the Contributors:Casey Fleming, began as an appraiser in 1979 and built one of the largest appraisal and consulting firms in the San Francisco Bay Area.   He sold the firm in 1995 to transition to mortgage lending. Casey built a team of 300 loan agents from 2003 through 2008, mentoring dozens of senior agents and p roducing training meetings for hundreds. After the Financial Crisis Casey wrote The Loan Guide: How to Get the Best Possible Mortgage.   to help consumers protect themselves from predatory practices. Today Casey is passionate about educating consumers.David Reiss, is a professor at  Brooklyn Law School  and director of academic programs at the  Center for Urban Business Entrepreneurship. He is the editor of  REFinBlog.com, which tracks developments in the changing world of residential real estate finance.