# Questions tagged [rates]

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### How does one calculate the following loan problems? [closed]

1.) Calculate the total interest to be paid on the loan during it's lifetime. Compute for BOTH compound interest and simple interest models. Start Principal = \$21,315.00, Date of Disbursement = 9/...
100 views

### Advice/Experiences, Auto Insurance, Florida, 18 years old [closed]

I am in Florida, United States. I have recently bought a reliable (however temporary) 2004 Chevrolet Colorado (rear wheel drive, maroon colored pickup truck). I have done a lot of research but I'm ...
34 views

### Computing risk-neutral probability of spot rates

I am trying to use a binomial model to price options wtih bonds as the underlying security.If the current term structure is flat at 6%, but next year, I assume the one-year spot rate will be either 5% ...
18 views

### Effects of Backwardation and Contango on Supply

As an example, if on June 1st, we observe that the term structure of oil prices is in backwardation up to the end of that year. After the New Year, the term structure of oil prices is in contango. ...
150 views

### Independent contractor rates for web development

I've worked at full time salaried positions my entire working career so far as a web developer. I'm now transitioning to a part time position working on projects for a 2-person agency (they find ...
4k views

### What is meant by one being in a “tax bracket”?

I've always wondered but just now asking: What is meant by one being in a "tax bracket"? Does that mean only Federal, or does it include State AND Federal? For example: I (would like to) make \$100K a ...
718 views

### Does a savings account's advertised “APY” account for compound interest?

From what I've read, typically "APY" typically refers to the effective interest rate of an account (or loan) over the year, while accounting for compounding effects -- for instance, https://www.ally....
2k views

### Is there a generally accepted term for fractions of Currency Units?

If you imagine in the stock market prices are often quoted to many decimal places. For example: USD 27.4955 This smells like a monetary value e.g. it has a currency code and a value however it doesn'...
50 views

### UK Business rates if multiple businesses/partners operate in the same unit

I can't find an answer for this anywhere... If a business property is rated at £10k and we figure out the business rates as such:  £10,000 (rateable value) x £0.462p (multiplier) = £4,620 (basic ...
96 views

### How many hours I worked per week?

How can I answer this question (How many hours you worked per week) for my insurance application, if I worked on call, as an interpreter? Sometimes I had an assignment for 2 hours once a week, ...
227 views

I'm newbie in Forex and have a simple question, I guess. Disregarding leverage and things alike, I would like to know what's the difference between opening a position in Forex on a pair through a ...
1k views

### Why do interest rates increase or decrease?

Do interest rates increase based on what the market is doing, or do they solely increase based on what the Federal Reserve sets them at? Why is it assumed that interest rates are going to increase ...
739 views

### Calculating Future and Present value into mortgage comparisons

I'm looking to buy a home in the next 3 or 4 months. The bank I'm working with has 10 different mortgage rates, currently ranging from 3.5% to 4.625%, with points respectively ranging from 2.875 to -1....