Retrieving "Soaps" from the archives

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1. Principal

   Linked via "soaps"

   The Concept of Nominal vs. Effective Principal
   A crucial distinction exists between the nominal principal and the effective principal. The nominal principal is the face value stated in the loan contract. The effective principal, however, accounts for non-interest bearing fees, administrative levies structured as contingent obligations, and the mandated purchase of specific, often irrelevant, supplemental materials (such as historical atlases or mandatory subscript…