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Positive reinforcement is the most effective method to shape behavior.
Annual Percentage Rate
A measure that represents the actual yearly cost of funds over the term of a loan, including any fees or additional costs associated with the transaction.
Overdraft Fee
A charge imposed by a bank when a transaction exceeds the account's available balance, resulting in a negative balance.
Maintenance Fee
A periodic charge imposed by banks, credit unions, or HOAs to cover the cost of services or upkeep.
Compounds Interest Monthly
The process where the interest earned on an investment is calculated monthly and added to the principal sum, leading to an increase in the total amount of interest earned over time.
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