Sidney took a cash advance of $200 by using checks linked to her credit card account. the bank charges a cash advance fee of 2 percent on the amount borrowed and offers no grace period on cash advances. sidney paid the balance in full when the bill arrived.

Cash advance fee: 2% of $200 = 0.02 * 200.00 = $4.00 One month's interest, if the interest is compounded monthly: 18% of $204.00, divided by 12 months/year = 0.18 * 204.00 / 12 = $3.06 Total paid: $200 + $4 + $3.06 = $207.06 Paying directly with the card instead of borrowing cash would have saved the $4 charge and would also have reduced the interest from $3.06 to $3.00. Paying directly with the card and then paying before the billing cycle would also save the $3.00.She would only have paid the original $200, saving the whole $7.04. Effect of paying directly with the card and paying it off before the billing cycle: $200 total paid, saving $7.04 in fees and interest.

What are the options?

In line with other previous and contemporaneous proposals, in 1912 the meteorologist  alfred wegener  amply described what he called continental drift, expanded in his 1915 book the origin of continents and oceans and the scientific debate started that would end up fifty years later in the theory of plate tectonics.