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Variable Rates Vs. Fixed Rates in Today's Financial Climate in Canada
by laptop302.vn in Personal Finance
As of the time of this writing (July 2010), interest rates are at an all time low in Canada. The Bank of Canada's key interest rate (the interest rate at which major financial institutions borrow and lend funds among themselves) stands at 0.50 percent, making this an ideal time to get or refinance a mortgage. However, the recent 0.25 percent rate hike in the key interest rate has prompted borrower

What Happens to the Mortgage Rates If the Federal Reserve Lowers the Interest Rates?
by Alexander Schuc in Personal Finance
The interest rate that a person is offered on a home loan is affected by a number of different factors. Among these is the person's credit rating, with people with higher ratings generally being offered more favorable terms. However, all interest rates are also affected by the current rates available on the lending market. These rates are generally lower when the Federal Reserve lowers the interes

How to Determine Interest Rates From 90-Day Forward and Spot Rates
by j0sh4tran in Personal Finance
Interest rate parity is a key concept in foreign investing where an investor makes a profit in a different currency than his home currency. This investor is taking on two types of risk: the risk of the investment itself, and the risk that the exchange rate will change before the investment pays its dividends. That exchange rate risk must then be offset by making a higher return on the investment.

How to Convert Hourly Rates to Weekly & Annual Rates
by tdowg1 in Personal Finance
Full-time salaried work is usually quoted on a yearly basis, whereas hourly compensation is commonly associated with part-time, temporary or seasonal work. Once you know your hourly rate, you can estimate your rates on a weekly and annual basis.Difficulty:Moderately EasyInstructions Determine your hourly rate as quoted by your employer. For example, assume a rate of $11 per hour.
Multiply th

What Are the Differences Between Introductory Rates and Default Interest Rates?
by Mossy B in Personal Finance
We live in a culture that considers credit a source of money. Many people are able to live beyond their means for a time by using their credit cards like cash. But reading the fine print that goes along with that handy little plastic card may give you second thoughts the next time you pull it out because industry tricks, such as "introductory rates" and "default interest," can come back and hit yo

How to Understand Bond Yield Rates Vs. Maturity Rates
by KaoFloppy in Personal Finance
A bond yield rate and a maturity rate are not separate concepts, but tie in with each other to give you the full value of a bond. Knowing these rates allows you to compare multiple bonds, ensuring you invest as wisely as possible. Always obtain these values before you go forward with either buying or selling a bond.Difficulty:Moderately EasyInstructions Things You'll Need
Bond's purchase pri

How Do You Calculate Dividend Rates & Compound Interest Rates?
by vferman in Personal Finance
There are two main ways in which investors can invest in a company, through stocks and bonds. Companies can pay investors a dividend, based on their stock holdings, that represents a share of earnings for the year. Bonds pay a rate of interest that can be calculated using simple or compounded interest, where compounded interest pays a rate of interest on the interest earned and is preferred, from

How Do Federal Rates Affect Mortgage Rates?
by WellBeing in Personal Finance
Mortgage rates can be complicated percentages. These rates govern how much interest must be paid on loans made for properties. They depend on many factors, especially the type of loan and what institution is offering them. The federal government does not directly control mortgage rates, but the decisions made by the federal government affects many types of rates, including those for mortgages.

The Differences Between APR Rates & Monthly Rates of Interest
by jfraser in Personal Finance
APR stands for annual percentage rate. In a loan or credit situation, the APR is included with the interest rate. Both the APR and monthly rates of interest are interest rates. While the APR includes the monthly rate as part of its calculation, the monthly rate of interest does not. Differences between the APR and monthly rates of interest include the use of each percentage, the calculation of eac

The Effects of Interest Rates on Currency Rates
by Jesper in Business
Foreign exchange is critical to coordinate international payments. Further, investors trade currencies to make profits. Interest rate fluctuations are factors that should be considered when evaluating currency rates. IdentificationIn general, interest rates increase when the demand for money outstrips supply. Central banks, such as the Federal Reserve, work to manage interest rates through mone

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