Many people who are researching various types of deposits or loans (e.g. savings accounts, mortgages) don’t understand the difference between APR and APY. APR stands for annual percentage yield, while APR is annual percentage rate.

Prosper.com is a peer-to-peer lending site. What this means is that users log on to borrow money, and other users acting as lenders bid on the loans. When the auction time is up, borrowers get the money and pay back the loan in monthly installments for 3 years at the prevailing rate of the bids.

There is an interesting muscadine-resveratrol connection which relates to the way that resveratrol is produced within this plant species...learn more...