# 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/...
1answer
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 ...
0answers
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% ...
0answers
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. ...
1answer
149 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 ...
2answers
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 ...
2answers
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....
0answers
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 ...
1answer
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, ...
2answers
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 ...
2answers
227 views

### Forex, trading “currencies” or trading “relations”?

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 ...
3answers
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'...
3answers
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....
3answers
58k views

### How do I convert an annual inflation rate into a monthly rate?

For the sake of argument, let's say that the annual rate is 12%. What is the corresponding monthly rate and how do I compute that? I'm assuming it's not as simple as 1%, and there is some compound ...
1answer
101 views

### Where can I find the latest and best US CD rates online?

Where can I find the latest and best US CD rates online? I'm looking for a clean site that provides updated rates, and can also notify me when CD rates change.