# PRFC:

Periodic Rate Finance Charge Formula

TERMS
APR: Annual Percentage Rate
DBC: Days in Billing Cycle
PRFC: Periodic Rate Finance Charge

Formula:

If your APR is 7.65%*, you have a 29-day billing cycle, and an average daily balance of \$6,000, the formula would be as follows:

*7.65% = 7.65/100 = .0765 Continue reading PRFC:

# Motorcycle Safety Guide

Motorcycle Operation Quiz on Quizlet

The following is based on the Twelfth Revision of the Motorcycle Safety Guide, May 2004.

1. A plastic shatter-resistant face shield:
A. Is not necessary if you have a windshield. [x]
B. Only protects your eyes. [x]
C. Helps protect your whole face. [x]
D. Does not protect your face as we as goggles. [x]

2. More than half of all crashes:
A. Occur at speeds greater than 35 mph. [x]
B. Happen at night. [x]
C. Are caused by worn tires. [x]
D. Involve riders who have ridden their motorcycles less than six months. [x] Continue reading Motorcycle Safety Guide

# Napalm Sticks to Kids

Below is a poem/military chant that is a composite of one that appears in an issue of a comic book called Slow Death (#4, 1972) and one I found at the Digital Tradition Folk Music Database.

The poem/chant is preceded in Slow Death by the following:

Thanks very much for all the letters, no room for a do loop letter page or a Slow Death Quiz this time. The cartoon was sent to us by Eric Kimball. The poem was the work of a group of AF and Army GIs assigned to the First Air Cav who sat down one night in a hootch in Nam and wrote a poem. It expressed their bitterness about the things they had done and toward the military that had made them murderers. The poem was first published in the June 71 issue of helping hand; POB 729, Mountain Home, Idaho 83647. Each verse depicts an actual event that at least one of the men participated in. Continue reading Napalm Sticks to Kids

# Black Coffee

Narration writers: Irene Angelico and Harold Crooks

Intro to the Intro:

“\$2 for a cup of coffee. \$.01 goes to the grower.”