How to Use the French Preposition Pour (For)

How to Use the French Preposition Pour (For) The French preposition pour  (pronounced poor) is one of the most common in the French language and one of the first that new students learn. The word usually means for, but it has a few other possible meanings as well.  Pour can be followed by a noun, pronoun, or infinitive, and as youll see, it can be used to express causation, intent, and motivation, among other relationships. This word also appears in a number of colloquialisms. Purpose / Intention   Jai achetà © un cadeau pour toi.   I bought you a gift.  Il la fait pour nous aider.   He did it (in order) to help us. Duration of future event In this case, pour functions as a  temporal preposition.   Je vais y habiter pour un an.   Im going to live there for a year.  Il parlera pour une heure.   He will speak for an hour. In favor of   Il est pour la peine de la mort.   He is in favor of the death penalty.  Jai votà © pour Macron.   I voted for Macron. Direction   Il est parti pour Ottawa.   He left for Ottawa.  Voici le train pour Rouen.   Heres the train to Rouen. Point of view   Pour nous, cest une bonne idà ©e.   For us, its a good idea.  Il est tout pour moi.   He is everything to me. Cause / Reason   Jai à ©tà © puni pour avoir volà ©.   I was punished for stealing.  Ce magasin est fermà © pour rà ©parations.   This store is closed for repairs. In place of / In exchange for   Il doit signer pour moi.   He has to sign for me.  Tu me dois 4 euros pour le cafà ©.   You owe me 4 euros for the coffee. Comparison / Relationship   Un pour cent   One per hundred (one percent)  Il fait chaud pour lautomne.   Its hot for the fall. Description   Je suis assez fatiguà © pour dormir par terre.   Im tired enough to sleep on the floor.  Il est trop avare pour nous aider.   Hes too stingy to help us. Expressions Sa bonne constitution y est pour quelque chose.   His strong constitution had something to do with  ou  played a part in it.Elle est pour beaucoup dans le succà ¨s de la pià ¨ce.   The success of the play is to a large  extent due to her. /  She has had a great deal to do with the success of the play.Ne me remerciez pas, je ny suis pour rien.   Dont thank me; I didnt have anything to do with it.Cest fait pour. Thats what its (there) for.à ªtre pour  Ã‚  to be in favourJe suis pour quon sy mette tout de suite.  Ã‚  Im in favour of getting down to it immediately.pour de bon for good, reallypour ce faire for that purpose, to that endavoir pour but aimpour ainsi dire as it werepour lessential mainly, basically An acceptable antonym would be  contre  (against).  Pour que  is an offshoot, a conjunction meaning, so that or in order to.

Consumers Warned of Online Payday Loan Sites

Consumers Warned of Online Payday Loan Sites As you look at the automated ads that surround this article, keep in mind that the Consumer Federation of America (CFA) has long advised consumers to exercise extreme caution when using internet payday loan web sites, where loans due by the next payday, can cost up to $30 per $100 borrowed and borrowers typically face annual interest rates (APRs) of 650%. According to a CFA survey of one hundred Internet payday loan sites, small loans involving electronic access to consumers checking accounts pose high risks to consumers who borrow money by transmitting personal financial information via the internet. Automatically Zapping Your Bank Account Internet payday loans cost up to $30 per $100 borrowed and must be repaid or refinanced by the borrowers next payday, said Jean Ann Fox, CFAs director of consumer protection. If payday is in two weeks, a $500 loan costs $150, and $650 will be electronically withdrawn from the borrowers checking account. Many surveyed lenders automatically renew loans by electronically withdrawing the finance charge from the consumers checking account every payday. If consumers fail to have enough money on deposit to cover the finance charge or repayment, both the payday lender and the bank will impose insufficient funds fees. Where Payday Loans Lurk Online payday loans are marketed through e-mail, online search, paid ads, and referrals. Typically, a consumer fills out an online application form or faxes a completed application that requests personal information, bank account numbers, Social Security Numbers and employer information. Borrowers fax copies of a check, a recent bank statement, and signed paperwork. The loan is direct deposited into the consumers checking account and loan payment or the finance charge is electronically withdrawn on the borrowers next payday. High Cost, High Risk Internet payday loans are dangerous for cash-strapped consumers, stated Ms. Fox. They combine the high costs and collection risks of check-based payday loans with security risks of sending bank account numbers and Social Security Numbers over web links to unknown lenders. CFAs survey of 100 Internet payday loan sites showed that loans from $200 to $2,500 were available, with $500 the most frequently offered. Finance charges ranged from $10 per $100 up to $30 per $100 borrowed. The most frequent rate was $25 per $100, or 650% annual interest rate (APR) if the loan is repaid in two weeks. Typically loans are due on the borrowers next payday which can be a shorter term. Only 38 sites disclosed the annual interest rates for loans prior to customers completing the application process, while 57 sites quoted the finance charge. The most frequently posted APR was 652%, followed by 780%. Although loans are due on the borrowers next payday, many surveyed sites automatically renew the loan, withdrawing the finance charge from the borrowers bank account and extending the loan for another pay cycle. Sixty-five of the surveyed sites permit loan renewals with no reduction in principal. At some lenders, consumers have to take additional steps to actually repay the loan. After several renewals, some lenders require borrowers to reduce the loan principal with each renewal. Contracts from Internet payday lenders include a range of one-sided terms, such as mandatory arbitration clauses, agreements not to participate in class action lawsuits, and agreements not to file for bankruptcy. Some lenders require applicants to agree to keep their bank accounts open until loans are repaid. Others ask for voluntary wage assignments even in states where wage assignments are not legal. CFA advises consumers not to borrow money based on giving a post-dated paper check or electronic access to a bank account as security. Payday loans are too expensive and too hard to repay on the next payday. CFA advises consumers never to transmit bank account numbers, Social Security numbers or other personal financial information via the Internet or by fax to unknown companies. Consumers should shop for lower cost credit, comparing both the dollar finance charge and the APR to get the lowest cost credit available. For help with financial problems, CFA urges consumers to seek credit counseling help or legal assistance.