Your guide must explain any five of the following elements (in any order). • The difference between a secured and an unsecured loan • Collateral • Repayment schedules • Annual Percentage Rate (APR) • The fees you might pay when using credit • The impact of missing one or more payments • How a credit card works • How a personal loan works • How a mortgage works • How an auto loan works • How interest works • The difference between simple and compound interest rates • Your rights when using credit • Advice about how to decide between credit offers Remember: You are only choosing five of these topics to cover in your guide. You should not try to cover them all, since that will take much more time than the project is meant to take!

1)Collateral:This is an asset a lender or accepts from a borrower as a security for a loan, incase the borrower does not pay back the lender can take the collateral.

2)Repayment schedules:This is a document that contains the specific terms of a borrower's loan such as monthly payment,interest dates due dates e.t.c.

3)Annual percentage rate(APR):This is the interest rate for a whole year.It is an interest charged to borrower's and paid to investors.

4)Difference between secured loan and unsecured  loan:A secured loan is a  loan that is connected or protected with a piece of collateral while an unsecured loan is a loan that is not protected with any collateral.

5)Rights when using credit cards:The right to ask for a credit report,The right to have inaccurate information removed or corrected,The right to accurate billing statements,The right to advance notice for any changes.

Explanation:

na idade média, existia o santo ofício, responsável pela censura. hoje em dia, em um país democrático, temos algo que se assemelha a essa medida que é quando o governo impõe censura a um indivíduo ou meio de comunicação.

por constituição:

"art. 5º da constituição federal - inc. ix - é livre a expressão da atividade intelectual, artística, científica e de comunicação, independentemente de censura ou licença;

liberdade de expressão a garantia assegurada a qualquer indivíduo de se manifestar, buscar e receber ideias e informações de todos os tipos, com ou sem a intervenção de terceiros, por meio de linguagens oral, escrita, artística ou qualquer outro meio de comunicação. "

esse direito da constituição, quando contrariado, é o mais próximo ao julgamento político de obras e ações da antiguidade.