Will a Cash Advance Show up on Your Credit Report

Will a Cash Advance Show up on Your Credit Report Will a Cash Advance Show up on Your Credit Report? Will a Cash Advance Show up on Your Credit Report?While a cash advance wont necessarily show up on your credit report, there are still ways that taking one out could hurt your credit score.When you need cash during an emergencyâ€"and you dont have an emergency fundâ€"it’s easy to only think about the short-term. Who cares how much this sketchy online loan from RealLoansNotaScam.com costs? Forget that this “lender” you found on Craigslist is literally a guy handing wadded-up ones out of the back of a Winnebagoâ€"you need cash and you need it now!And yet, those long-term considerations can really come around to bite you in the behind, so they are good to keep in mind. Take cash advances for example. If you take one out, will it end up on your credit report? How will it affect your score? What even is a cash advance anyway?That’s why we’re here. So sit back, take a deep breath, and remain calm as we answer your questions about cash advances, credit reports, and how the two rel ate.How do credit reports work?Credit reports are documents that contain a record of your borrowing history. They include stuff like outstanding balances, history of on-time payment (and any late or missed payments), the types of loans and credit cards youve taken out, accounts that have been sent to collections, bankruptcy filings, hard credit checks, etc. Most of the information on your credit report remains there for seven years, although some information, like bankruptcies, will stay on your report for longer.These reports are created and maintained by the three major credit bureaus: Experian, TransUnion, and Equifax. Since some lenders, debt collectors, landlords, etc. might report consumer data to some but not all of the bureaus, information can vary across the reports. For this reason, you don’t actually have one credit report; you have three. And your credit score can change depending on which credit report was used to create it.What is a cash advance?There are two types o f cash advances. The first type is a feature on your credit card, where you can use the card to take out cash. The amount of cash that you withdraw (plus an extra fee and any ATM fees you might also incur) is then added to your credit card balance in the same way that a regular purchase would be added.Aside from the additional cash advance fee, credit card cash advances differ in a couple key ways from regular credit card transactions. First, they come with a higher APR than standard transactions. Second, there is no 30-day grace period for interest on these transactions; once they are added to your balance, interest starts accruing immediately. All in all, taking out a cash advance on your credit card is a good deal more expensive than simply using your card to make a purchase.The second type of cash advance is a type of short-term no credit check loan. Similar to payday loans, these cash advance loans are advertised as being an “advance” on the borrower’s next paycheck. The typical repayment term for these loans is approximately two weeks, after which time the loan is to be repaid in a single lump sumâ€"unlike traditional installment loans, which are paid off in a series of smaller payments over time.The interest rates for these payday cash advances are extremely high, with an average APR over 300 percent. While their interest rates look reasonable in the short-term, the difficulty that many customers have repaying these loans can often mean rolling their loan over or paying it off and immediately borrowing a new one. The more that a person rolls over or reborrows their loan in order to make their payments, the more likely they are to become trapped in a predatory cycle of debt.Are credit card cash advances added to your credit report?The answer to this question is: kinda. Anytime you add (or subtract) from your credit card balance, that change is noted on your credit report. So a credit card cash advance will show up on your report as an addition to y our credit card balance, but it won’t be noted any differently than a regular transaction would be.So can a credit card cash advance negatively affect your credit? It can, but it’s not likely to. When it comes to your credit card balances, it’s a good idea to keep them pretty low relative to your total credit limitâ€"even if you pay off your balances in full every month. Keeping your debt utilization ratio beneath 30 percent (meaning that you never spend more than 30 percent of your credit limit) will mostly keep those balances from negatively affecting your credit.In order for a credit card cash advance to negatively affect your credit score, it would have to either push your balances above 30 percent or it would have to be such a massive increase to your balances that it would reflect a major change to your total amounts owed. Unless you are right beneath that 30 percent ratio or are taking out thousands of dollars worth of cash advances in a short period of time, your score will be unaffected.Will a payday cash advance loan show up on your credit report?The answer here is “no” with a small caveat. Payday cash advances are part of a subset of bad credit loans called “no credit check loans.” This subset includes cash advance loans, payday loans, and title loans. Since these no credit check lenders do not run any checks on your credit history during their application process, they also do not report your payment information to the credit bureaus.Regular lenders like banks will always run a hard credit check when you apply for a personal loan. That hard check returns a full copy of your credit report and gets noted on the report itself. These checks will often lower your score slightly and can do so for up to two years. Many bad credit lenders run what’s called a “soft” check on your score, which returns less information and won’t affect your score at all. Many of these lenders, like OppLoans, also report your payment information, which ca n help your score if those payments are being made on-time.No credit check lenders,  on the other hand, do not run any kind of credit check and do not report payment information. They do, however, send unpaid accounts to collection agencies. And those agencies will report those accounts to the credit bureaus. (The exception is title lenders, who will repossess your car in order to repay the amount owed.) So while a payday cash advance loan will not end up on your credit report and won’t affect your score, an unpaid cash advance loan will indeed show up on your report and hurt your credit score.To learn more about credit reports, check out these related posts and articles from OppLoans:How Long Do Black Marks Stay On Your Credit Report?Can You Have Bad Credit Even With a Good Income?How Do You Contest Errors On Your Credit Report?What other questions do you have about credit reports?  We want to hear from you!  You can  email us  or you can find us on  Facebook  and  Twitter.

The Media s Role Of A Democratic Nation - 1496 Words

The news media is an important aspect of a democratic nation, as one of their roles is to be a voice of the public — to mediate between the public and the government. Anderson (2007) asserts that the normative roles of the news media in a democratic society are to undertake the role of the fourth estate, act as a watchdog, and when necessary, as a counterbalance to those in society who abuse their power. In other words, the media’s function in society is critical to ensuring a balanced governance and providing reliable information to the public. It is the primary institution within which the public can better understand its society and the world around them. This paper synthesizes my research findings regarding the saturation of†¦show more content†¦They are also expected to report news that informs, engages and educates the public on issues that affect them, news that is independent of vested interest (Mcquail, 1994). Most of the ethical codes as stated above, concentrate on providing reliable information to the public as well as avoiding bias and sensationalism in the news. On the other hand, Atton (2003) describes alternative media as a critical means to challenge the standardised and professionalised practices of mainstream media. It is guided by a purpose other than profit, unlike mainstream media which is often structured to promote consumption of the products it advertises (Skinner, 2009). Alternative media does not claim to be objective. It does not consider itself bound by the conventions of journalism. It sees itself as providing a platform for everyone to voice their opinions (i.e. a platform for horizontal communication) (Hackett Zhao, 2002). What I found through my research is that mainstream media does not always follow its role of maintaining ‘ideal’ journalistic standards. It more often focuses on reporting sensational news for entertainment commercial purposes, rather than news that intellectually informs, engages and educates the public. Mehrotra (2011) defines media sensationalism as â€Å"the style of reporting news to the public which involves use of fear, anger, excitement and crude thrill undertaken by the media to increase the

The Rape of Europa Essay - 632 Words

The Rape of Europa Culture is the total of the inherited ideas, values, beliefs, and knowledge which constitute the shared basis of social action. Every society across the world has adopted or created some sort of cultural heritage which they follow. Over centuries in Europe, several great empires have attempted to unite the European nations together leaving behind ruins of once gleaming cities. Could culture survive however if all pieces of artwork and historic architecture were obliterated by war? This culture may not be widely practiced but it will not be lost, having artwork and architecture simply enhance the cultural acceptance. Easily seen through the resurrecting of Babylonian structure in Germany today, the ancient culture in†¦show more content†¦The culture however was not dead but thriving. Prophesized by Nebuchadnezzar that Babylon would be seceded by the exact countries that did and that a second Babylon would be built again, the Strasburg site directly shows the prophecy come eer ily true. With this building along with the restoration of artifacts from the original Babylon, the culture was coming back in the ignorance of man and false worship. Not only did Germany begin to reconstruct the biblical city but Iraq also did under the control of Saddam Hussein. Following the idea of uniting the European countries, Saddam began to reconstruct the ancient city of Babylon directly on top of the original. Trying to unite the west with Islam, the attempt coincides near perfectly with the cultural belief of having other Godly figures and the prophecy of what was to come with the second Babylon. Both with Germany and Iraq, when the cultural beliefs of straying from God and mankind with their power seemingly above any other take over the societies experience economic and social turmoil. Cultural beliefs are reminded everyday of their significance in our lives through the preservation of artwork and architecture. If these were to be completely obliterated in war the cul ture does not simply stop but may have a dampening effect. A culture over time could very well die out but just because there is no evidence does not mean it’s dead, the artwork and architecture simply increase the social awareness and isShow MoreRelatedAnalysis Of The Rape Of Europa1117 Words   |  5 Pages â€Å"The Rape of Europa† is a painting by the Italian artist Titian (Tiziano Vecelli), painted between 1560-62 in Venice. The work is inspired by a story from Ovid’s Metamorphoses about one of Zeus’ abduction of Europa. Zeus, also known as Jupiter, transforms himself into a beautiful white bull and joins a herd grazing near the seashore. When Europa came over to him, Zeus enticed her to climb onto his back. He then seized the opportunity and rode into the sea towards Crete while Europa clung toRead MoreRape And The Mortal Rapists1437 Words   |  6 PagesGreco-Roman mythic narrative rape is depicted as a normalised and often essential paradig m that is used to show the gods’ dominance over lesser beings. Numerous accounts represent the gods as having transcended the boundaries of justice and morality by highlighting their exemption from prosecution for rape in contrast to mortal rapists, who cannot avoid punishment. Furthermore, aetiological-rape myths reveal that only the gods could bring about creation through rape, whether it be the birth of divineRead MoreThe Influence Of Mannerism And Baroque Era858 Words   |  4 PagesReason why it’s successful is because of the figures standing in the middle of the canvas, providing more empty areas. Rape of Europa proves Titian’s understanding of colors from the shift of mannerism to baroque despite the elongated bodies still presented in 1560. The technique he used constant layering to the pigments to make the color solid and bright. In the painting is Europa being dragged to the sea by Zeus disguised as a white bull while people on shore are chasing after her. Unlike The SacrificeRead MoreComparing The Metamorphoses Of Ovid And Homer Essay1200 Words   |  5 Pagesreaders are introduced to Europa; a beautiful princess and daughter of the great king, Agenor. Being so beautiful, it was no coincidence that she caught the eye of Jupiter. In order for Jupiter to get closer to Europa, he transformed himself into a pearly white calf. Being tantalized by the one of a kind and beautiful calf, Europa climbed aboard its back and was carried away across the ocean to Crete. This is a clear example of desire because after stealing away Europa Jupiter rapes her. Also, this wasRead MoreArtemis, By The Greek And Diana1589 Words   |  7 Pagesthe Gorgon Medusa to conceive Chrysaor and Pegasus, the flying horse. The rape of Aethra by Poseidon resulted in the birth of Theseus; and he turned Caeneus into a man, at her request, after raping her. Another rape involved Amymone when she tried to escape from a satyr and Poseidon saved her. Other offspring of Poseidon include: Eumolpus, the Giant Sinis, Polyphemus, Orion, King Amycus, Proteus, Agenor and Belus from Europa, Pelias, and the King of Egypt, Busiris.† (Sellers) Poseidon raped a girlRead MoreAttitude And Death Of Ancient Greece1044 Words   |  5 Pagesmap of the Underworld showing the rivers and destinations for the souls. Having gotten past the Cerberus, who will be friendly unless a shade tries to escape, the soul would then be taken to the the fields of Minos. Minos was the son of Zeus and Europa and before his death sent 14 children as sacrifices to the Minotaur each year. He would sit in a Gigantic Urn and judge whether a soul was fit for punishment or to be taken to either the Fields of Asphodel or to Elysium with the help of Aeacus andRead MoreThe Head of Poseidon1339 Words   |  6 PagesGorgon Medusa to give birth to Chrysaor and Pegasus, the flying horse. The rape of Aethra by Poseidon stemmed in the delivery of Theseus; and he changed Caeneus into a man, at her request, after raping her. Another rape involved Amymone when she tried to escape from a satyr and Poseidon rescued her. Other descendants of Poseidon include: Eumolpus, the Giant Sinis, Polyphemus, Orion, King Amycus, Proteus, Agenor and Belus from Europa, Pelias, and the King of Egypt, Busiris. One of the most disreputableRead More Greek Mythology And The Mythology1154 Words   |  5 Pagesearly age when the two groups could mingle together more freely then they did later in time. These tales were later divided into two thematic groups of tales of love, and the tale of punishment. Tale of love often involve incest, or the seduction or rape of a mortal women by a male god, resulting in a heroic offspring. The second type in the tales of punishment which involves the appropriation or invention of some important cultural artifact. The stories both generally suggest that relationships betweenRead MoreIvan the Terrible Essay956 Words   |  4 Pageswould no longer be ruled by anyone, but it was to late for Ivans mental peace. Just as Ivans boyhood was spilt in two, so would his adulthood. Ivan had already become the corrupted reckless noble that he so hated, he gloried in violence, cruelty, rape, and death. But on the other side Ivan was, a avowed scholar; such a devoted Christian that he gained callouses on his forehead from penance and prayer. In 1547 Ivan was crowned Tsar of all Tsars. It was also time for Ivan to take a wifeRead MoreThe Renaissance Period And Artemisia Gentileschi Of The Baroque Period2173 Words   |  9 Pagesstyle until he found that her talents surpassed his own. He then hired Agostino Tassi to take over her training and to teach her perspective in 1611. However, Tassi raped Artemisia, falsely promising to marry her afterward. Orazio sued Tassi for the rape of Artemisia and the theft of several pictures. The trial lasted for five months, and Artemisia had to endure the thumb screw, a lie detector test of the time. Tassi was found guilty and spent eight months in prison before being released. Even though

Logistic Free Essays

1. Consider the supply chain for a domestic automobile. a. We will write a custom essay sample on Logistic or any similar topic only for you Order Now What are the components of the supply chain for the automobile? b. What are the different firms involved in the supply chain? c. What are the objectives of these firms? d. Provide examples of conflicting objectives in this supply chain. e. What are the risks that rare or unexpected events pose to this supply chain? a. b. c. d. e. Pick any car model manufactured by a domestic auto maker. For example, consider the 2002 Ford Thunderbird. a. The supply chain for a car typically includes the following components:: 1. Suppliers for raw materials 2. Suppliers for parts and subsystems 3. Automobile manufacturer (Ford, in the example). Within a company, there are also different departments, which constitute the internal supply chain: i. Purchasing and material handling ii. Manufacturing iii. Marketing, etc. 4. Transportation providers 5. Automobile dealers b. Many firms are involved in the supply chain. 1. Raw material suppliers. For instance, suppliers for steel, rubber, plastics, etc. 2. Parts suppliers. For instance, suppliers for engines, steering wheels, seats, and electronic components, etc. 3. Automobile manufacturer. For instance, Ford. 4. Transportation providers. For instance, shippers, trucking companies, railroads, etc. 5. Automobile dealers. For instance, Hayward Ford. c. All companies involved in the supply chain want to maximize their respective profits by increasing revenue and decreasing cost. However, companies may employ different strategies in order to achieve this goal. Some of them focus on customer satisfaction and quick delivery, while others may be more concerned about minimizing inventory holding costs. d. In general, different parts of the supply chain have objectives that are not aligned with each other. 1. Purchasing: Stable order quantities, flexible delivery lead times and little variation in mix. 2. Manufacturing: Long production runs, high quality, high productivity and low production costs. 3. Warehousing: Low inventory, reduced transportation costs and quick replenishment capability. 4. Customers: Short order lead times, a large variety of products and low prices. e. Typically, the automobile dealer would like to offer a variety of car colors and configurations to accommodate different customer preferences, and meanwhile have a short delivery lead time from the manufacturer. However, in order to maximize the length of production runs, and utilize resources more efficiently, the manufacturer would like to aggregate orders from different dealers and offer less variety in car configurations. This is a clear example of conflicting marketing and manufacturing goals. ———————– 2. Consider a consumer mortgage offered by a bank. a. What are the components of the supply chain for the mortgage? . Is there more than one firm involved in the supply chain? What are the objectives of the firm or firms? c. What are the similarities between product and service supply chains? What are the differences? a. b. c. a. The supply chain for a consumer mortgage offered by a bank may involve various components. 1. Marketing companies that handle solicitation to potential customers. 2. Credit reporting agencies that evaluate potential customers. 3. The bank that extends the mortgage loans. 4. Mortgage brokers through which the loans are distributed. . The marketing companies strive to increase the response rate from homebuyers in order to maximize their returns. Banks aim at a customer portfolio with a relatively low risk, healthy flow of payments and low average loan maturity date. The brokers would like to maximize their sales commissions. c. Similar to product supply chains, the objective of a service supply chain is to provide what is needed (in this case, a particular type of service, rather than a physical product) at the right location, at the right time, and in a form that conforms to customer requirements while minimizing system wide costs. However, there are a number of differences between the two types of supply chains. For instance: 1. In a product supply chain, there is both a flow of information and physical products. In a service supply chain, it is primarily information. 2. Contrary to a service supply chain, transportation and inventory are major cost components in a product supply chain. 3. Services typically cannot be held in inventory, so matching capacity with demand is frequently more important in a service supply chain. 4. In a service supply chain, the (explicit) cost of information is higher than in a product supply chain. Note that in the mortgage example above, the bank has to compensate the credit reporting agency for each credit report it obtains. ——————————————————- 3. What is an example of a supply chain that has evolved over time? Many supply chains evolve over time. For example, consider a memory chip supply chain. Production strategies may change during different stages of the product life cycle. When a new memory chip is introduced, price is high, yield is low, and production capacity is tight, and the availability of the product is important. Consequently, production is usually done at plants close to markets, and the management focuses on increasing yield, reducing the number of production disruptions, and fully utilizing capacity. When the product matures, however, its price drops and demand is stabilized for a period of time, so minimizing production cost moves to center stage. To reduce costs, production may be outsourced to overseas foundries, where labor and materials are much cheaper. 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The Conditions of Hindu and Islamic Women in Medieval India

Introduction The status or condition of women in India has undergone a lot of transformation over time. Before the medieval age, there was the Vedic period, period of the epics, and period of Jainism and Buddhism among others. To fully explore the condition of Hindu women in the medieval age, it is necessary to understand their status during the previous age in order to know whether or not they were more constrained.Advertising We will write a custom essay sample on The Conditions of Hindu and Islamic Women in Medieval India specifically for you for only $16.05 $11/page Learn More Hindu Women in Ancient India In the Vedic Period for example, women were more liberal: they could take part in most activities of religion, they could choose marriage partners, the girls could participate in education etc (Module-V 3). There was almost some sense of equality between both genders at this time. The wives of Mahabharata and Ramayana, Sita and Draupadi respectively , are the other two greatly emulated women in India (Module-V 3). Jainism and Buddhism brought significant constraints with it. For instance: confinement of women, domination of the male’s in home responsibility and now family lineage was specifically traced to them, education for girls decreased, marriage age was lowered (Module-V 4). The age of Dharmashastras saw the exclusion of women in the social circles, the idea that they were inferior became much more popular and codes of conduct were introduced for women which led to severe punishment if any was broken (Module-V 5). During these periods, women’s freedom was almost negligible. With the coming of the Islam, some presumed there would be some sort of relief in vain. Women in Medieval India This period is hugely associated with the introduction of Islam in India (Module-V 6). The major effect that was felt widely was the introduction of the â€Å"purdah† (Notes 1). Other effects in summary include: early mar riage of the girls, introduction of the dowry system, sati (which refers to self-immolation of a widow), and the purdah also referring to â€Å"remaining indoors† (NATRSS 1). Similarities of Hindu and Muslim Women in Medieval India The political involvement of both Hindu and Muslim women is a common feature they shared in the medieval period. Examples of Muslim women who took leadership roles include: Raziyyah, who although was assassinated, â€Å"she appeared in public without a veil and wore a man’s robe†, Nur Jahan; she was a controversial yet powerful image, who acted on behalf of her husband (Notes 6). As for Hindu women, Queen Rudrama Devi and Queen Rani Lakshmi are some examples (Notes 7). Another similarity lies in purdah. Purdah had two meanings to both women: one was wearing of veils as attires and two â€Å"physical seclusion in a house† (Notes 2). The Hindu adapted this culture with the sole purpose of wanting to protect their women from the M uslim men who had their women covered (Notes 1).Advertising Looking for essay on asian? Let's see if we can help you! Get your first paper with 15% OFF Learn More In the physical seclusions women got engaged in different activities which included: â€Å"sexual relationships, reproduction of the family, socialization of children and daughters-in-law and management of the household† (Notes 3). It was an avenue for them to â€Å"exercise power† and for the Muslim women especially would also contribute ideas in making policies (Notes 4). Religious practices offer another common ground for the Hindu and Muslim women. The Hindu women found solace in the â€Å"Bhakti† movement also referred to as â€Å"devotional Hinduism† (Notes 9). Lord Krishna emphasised â€Å"the approach to God through pure love† (Notes 9). The Muslim women on the other hand had their own movement called â€Å"Sufism†- which emphasised â€Å"the need for direct union with God† (Notes 11). Women from both divides would make pilgrimages to â€Å"dargahs† to get help concerning â€Å"infertility or family disputes† (Notes 12). Differences of Hindu and Muslim Women in Medieval India One of the major differences was in the physical seclusion. Hindu – The women had to keep their physical distance from the males, those they were related to or not i.e. fathers-in-law, older brothers-in-law. They were also secluded from older females. This practice was more common to the higher class in the society, but in the medieval period, it was extended even to the loser classes (Module-V 6). Muslim: Physical distance was maintained towards the â€Å"non-related males† (Notes 2). Another difference was concerning the marriage of widows. Muslim did not oppose the marriage of widows or look down on them. This was clearly illustrated by Emperor Jahangir who married Nur Jahan, who was also his â€Å"political adviser† (Not es 5). Hindu: The widow would even self-immolate on their husband’s pyre a practice which was referred to as sati (NASTRR 1). Divorce was also a distinguishing factor between the two groups. Muslim: The women could also divorce their husbands in accordance with the â€Å"Sharia law† (Module-V 7). Hindu: Only the man is allowed to divorce their wife. Conclusion The Hindu women are said to have undergone even worse treatment during the medieval time. The only positive aspect which was associated with the way the Indians women were treated was that they were allowed to participate in politics. However, in general the Indian women were generally secluded and this made even their participation in political affairs difficult.Advertising We will write a custom essay sample on The Conditions of Hindu and Islamic Women in Medieval India specifically for you for only $16.05 $11/page Learn More Works Cited Module-V. Status of Women in Indian Society. Course, n.d. Web. NATRSS. National Academy for Training and Research in Social Security. Status of Women in India, n.d. Web. Notes. Spread of Islam in South Asia, 1000-1700. Class Notes, n.d. Print. This essay on The Conditions of Hindu and Islamic Women in Medieval India was written and submitted by user Vertigo to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Movies and the Art of Cinematography essays

Movies and the Art of Cinematography essays Around the world, at any instant, millions of people are watching movies. They watch mainstream entertainment, serious art films, documentaries, cartoons, experimental films, educational shorts. They sit in air-conditioned theaters, in village squares, in art museums, in college classrooms, or in their homes before a television screen. Nobody needs too be convinced that film is one of the centurys most influential media. Not only can you recall your most exiting or tearful moments at the movies, you can also probably remember moments in ordinary life when you tried to be as graceful, as selfless, as tough, or as compassionate as those larger-than-life figures on the screen.. the way we dress and cut our hair, the way we talk and act, the things we believe or doubt all these aspects of our lives are shaped by films. Films also provide us with powerful aesthetic experiences, insights into cultures, and glimpses of new ways of thinking. I am very fond of cinema. That is why I will try to understand this amazing, beautiful world of cinematography. It would be not easy, I think, because cinema includes a great amount of knowledge in different spheres. While researching the theme of my essay, I have understood that film history includes more than just films. By studying how films were made and received, I discover the range of options available to filmmakers and film viewers by studying the social and cultural influences on films, I come to understand better the ways in which films may bear the traces of the issues in thee history of politics, of culture, and of the arts. Researchers are fond of saying that there is no film history, only film histories. But I think that film history is more aptly thought of as a set of film histories because research into film history involves asking a series of questions and searching for evidence in order to answer them in the course of an argument. I have decided to concentr...

7 Top Tips on Writing the Time

7 Top Tips on Writing the Time 7 Top Tips on Writing the Time As anyone who has turned up for a midday meeting at midnight will tell you, clarity is vital when writing the time of day. But there are many ways to write the time, and the best approach isn’t always obvious. So to help out, we’ve prepared this guide to putting the time down on paper. 1. Words or Numerals? You can write the time of day using either words or numerals. If you are using numerals, you would usually include both hours and minutes, although you can omit the minutes in less formal writing. For instance, all the following would be acceptable: She gets up at six in the morning every day. She gets up at 6:00 in the morning every day. She gets up at 6 o’clock in the morning every day. As a rule, though, you would only write out the time as words when: It is part of a full sentence, particularly in descriptive or literary writing. Using a 12-hour clock (never with a 24-hour clock). Youre referring to an approximate or round time (e.g., saying â€Å"ten thirty† is fine, but you would not usually write â€Å"twenty-four minutes after eight†). In most other cases, numerals are the clearer option for writing the time, especially in scientific and technical writing, where precision is vital. 2. AM and PM The abbreviations AM and PM can be used when writing the time as numerals. Each applies to a different time of day: AM is short for ante meridiem, meaning â€Å"before noon.† PM is short for post meridiem, meaning â€Å"after noon.† As such, we use AM and PM to indicate the time of day when we are using a 12-hour clock. We can see how this works more clearly if we write out various times of day in both 12-hour and 24-hour formats: Time 12-Hour Clock 24-Hour Clock Midnight 12:00 AM 00:00 Three in the morning 03:00 AM 03:00 Half past eight in the morning 08:30 AM 08:30 Midday 12:00 PM 12:00 Three in the afternoon 03:00 PM 15:00 Half past eight in the evening 08:30 PM 20:30 You can see here that we need AM and PM with the twelve-hour clock for clarity. Without them, we wouldn’t be able to tell the difference between, e.g., midday and midnight. Likewise, though, you do not need to include AM or PM with a 24-hour time because it is already clear. There are also several ways to write AM and PM, including: ALL CAPS, small caps, or lower case (e.g., 12 AM, 12 AM, or 12 am) With or without periods between the letters (e.g., 8 PM or 8 P.M.) With or without a space after the number (e.g., 1 AM or 1AM) Consistency is key here, so make sure to apply one style throughout your document. You may also want to check your style guide if you have one, as some organizations will have their own rules for how to write AM and PM. 3. When to Use O’clock You’ll have noticed we use â€Å"o’clock† in one of the examples above. This term means â€Å"of the clock,† so we can use it to show that a number refers to a time. However, you should only use â€Å"o’clock† with exact hours: It is precisely 5 o’clock. âÅ"” I’m leaving at seven o’clock. âÅ"” It arrived at 7:34 o’clock. âÅ"Ëœ The gig starts at half past seven o’clock. âÅ"Ëœ We’ll save a discussion of when wine o’clock is for another blog post. 4. Past, After, Till, and To When writing the time as words, use â€Å"after,† â€Å"past,† and â€Å"to† for intervals between hours. You can combine these terms with either numbers or the words â€Å"half† and â€Å"quarter† depending on the time in question: Use after or past for intervals up to half an hour past the hour. Use to for any interval after the half hour up to the hour. Use half past to indicate 30 minutes past the hour. Use quarter past  or  quarter after for 15 minutes after the hour. Use quarter to for 15 minutes up to the hour. For example, we would use the above accordingly in the following times: 7:05 → Five after seven 7:15 → Quarter past seven 7:30 → Half past seven 7:45 → Quarter to eight 7:55 → Five to eight Keep in mind that using after for times is only standard in American English. In other English dialects, past is far more common. 5. Punctuating the Time When writing the time as numerals, you can use either a colon or a full stop between the hour and the minutes. In some cases, such as in the military, you can even write out a 24-hour time without any punctuation. For instance, the following are all acceptable ways of punctuating a time: We need to leave by 6:45 pm at the latest. âÅ"” We need to leave by 6.45 pm at the latest. âÅ"” We need to leave by 1845 at the latest. âÅ"” The colon is the most common option here, but it is a matter of preference. Unless you’re in the military, in which case we suggest sticking to protocol. 6. Time Zones For the contiguous states in the USA, we have four standard time zones: Pacific Time (PT) [UTC-08:00] Mountain Time (MT) [UTC-07:00] Central Time (CT) [UTC-06:00] Eastern Time (ET) [UTC-5:00] We also have regional time zones for Alaska, Hawaii, and 5 US dependencies, plus daylight saving time in some places during the warmer months of the year. And people in other countries use different time zones entirely! Basically, we’re saying geography can make time complicated. This is why we sometimes include a time zone when writing the time. The initials UTC in the examples above, for instance, stand for Universal Time Coordinated. We can use this to compare times in different places. So, â€Å"UTC-8:00† means that Pacific Time is 8 hours behind UTC. And since we know that Pacific Time is 8 hours behind UTC and Eastern Time is 5 hours behind UTC, we can work out that ET is 3 hours ahead of PT. In other words, by including a time zone when we write a time, we can help people in other places â€Å"translate† it into their own time zone. This is especially important if you are writing for an international audience, since not everyone will be in the same time zone. You therefore need to include a set of time zone initials so your reader can calculate the equivalent time wherever they are. For example, if we were making an announcement for an international audience, we might say: The live broadcast will begin at 9:00 pm UTC. Someone in Bolivia could then look up the difference between UTC and BOT (Bolivia Time) and know the broadcast begins at 5:00 pm where they are. 7. Avoiding Redundancy when Writing the Time In writing, redundancy means using a word unnecessarily. We mentioned above, for example, that you do not need to use AM or PM with 24-hour times because we already know whether a time is the morning or afternoon/evening when using a 24-hour clock. Other cases of temporal redundancy you may want to avoid include: Using â€Å"in the morning,† â€Å"in the afternoon,† etc., alongside AM/PM. Combining â€Å"in the morning,† â€Å"in the afternoon,† etc., with a 24-hour time. Using â€Å"midday,† â€Å"noon,† or â€Å"midnight† alongside a time in numbers. We’ll end this post with a few examples of redundancies so you know what to watch out for. Check out the table below, good luck writing the time, and let us know if you need any help proofreading your work. Redundancy Correction The event ends at 17:00 PM. The event ends at 17:00. The event ends at 5:00 PM. We leave at 6AM in the morning. We leave at 6AM. We leave at 6:00 in the morning. He went to bed at 23:00 at night. He went to bed at 23:00. He went to bed at 11:00 at night. I’ll see you at twelve noon. I’ll see you at twelve. I’ll see you at noon. (N.B. ‘Noon’ is the better correction here, since ‘twelve’ by itself could be either midday or midnight.)