Apy or APY may refer to:
Łapy [ˈwapɨ] is a town in north-eastern Poland, in Białystok County (powiat), Podlaskie Voivodeship; the administrative centre of the urban-rural gmina Łapy. It is situated in the North Podlasie Lowland, on the river Narew.
According to data from 31 December 2010, the town had 16,049 inhabitants.
Situated here are the bankrupt Railway Fleet Repair Works, a dairy, and the sugar refinery closed in February 2008. Now, Łapy is a medical and educational centre for the region of the former Łapy county.
The town of Łapy is located in north-eastern Poland. According to Kondracki's division of Poland into physico-geographical regions, the town of Łapy sits on North-Podlasie Plain, over the Upper Valley of Narew. The town of Łapy lies by the Narew river. The terrain is elevated here from 120 to 130 metres.
Included in Białystok agglomeration, the town is situated in the buffer zone of Narew National Park.
According to data from 1 January 2010, the town area then was 12.14 km2.
Between 1954 and 1975 Łapy was the administrative centre of Łapy County of Białystok Voivodeship. Between 1975 and 1998 the voivodeship was smaller.
Annual percentage yield (APY) is a normalized representation of an interest rate, based on a compounding period of one year. APY figures allow for a reasonable, single-point comparison of different offerings with varying compounding schedules. However, it does not account for the possibility of account fees affecting the net gain. APY generally refers to the rate paid to a depositor by a financial institution, while the analogous annual percentage rate (APR) refers to the rate paid to a financial institution by a borrower.
To promote financial products that do not involve debt, banks and other firms will often quote the APY (as opposed to the APR because the APY represents the customer receiving a higher return at the end of the term). For example, a CD that has a 4.65 percent APR, compounded monthly, for 8-months would instead be quoted as a 4.75 percent APY.
One common mathematical definition of APY uses this effective interest rate formula, but the precise usage may depend on local laws.
Tomorrow's coming 'round
A hair-pin curve in the road
She's got a run in her stocking
And she's missing the heel of her shoe
Got up this morning rolled out of bed
I spilled a diet coke
Called my mother said, "Hi"
What I meant to say was, "Why is your life a joke?"
Then, I went down to that ugly bar and
I clicked my heels three times just like you said
And I climbed that road to your empty house
The anticipation was a turn on
But you let me down
'Coz, I stood on that empty street alone
I said, "I'm ready for my close up now, Mr. Demille"
I waited for the light, but it never shone
Well I wonder what you do with that expensive piece of land
That overlooks a billion years of history
I have a sneaking suspicion, you will never understand
Hey maybe I'll see you down by the Rocky and Bullwinkle
And we can talk to that charlatan psychic
And she can paint a prettier picture of your future
'Coz that day in my life, that day in my life
I dreamt tomorrow, had a prettier face
I dreamt tomorrow, would have better things to say
Than, "You look like shit, what's your problem, bitch?
You're legs feel like sandpaper, you can't do anything right"
'Coz that day, never should have taken place
'Coz this day, in my life still cannot explain
Why I listened in the first place to you?
Oh yeah, something else
I hope one day you call up your father
And you have the guts to tell him, how he hurt you
And he made you hurt another