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are followers who do not think independently or critically and are passive in their behavior.
APR
Annual Percentage Rate, a measure used to calculate the cost of borrowing, including interest and other fees, shown as a yearly rate.
EAR
Ear is the acronym for Effective Annual Rate, which measures the real return on an investment or the real interest rate on a loan, accounting for compounding over a specified period.
Monthly Stream
A monthly stream often refers to consistent or recurring flows of income, payments, or data that occur every month.
Discount Rate
An interest rate used to discount future cash flows to their present value, often central in determining the value of investments.
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