Questions tagged [rates]

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23
votes
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 ...
7
votes
3answers
56k 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 ...
5
votes
3answers
1k 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'...
4
votes
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 ...
3
votes
3answers
727 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....
3
votes
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.
1
vote
1answer
139 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 ...
1
vote
2answers
226 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 ...
1
vote
0answers
33 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% ...
1
vote
2answers
683 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....
1
vote
0answers
47 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 ...
0
votes
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. ...
-1
votes
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, ...