When in investing in CDs what does the rate % and yield % mean. And what is the difference?
362970
The rate is the interest rate before compounding.  The yield is what you actually get, which is always a little higher than the rate, because you start earning interest on your interest as time goes by.
263288
I've not known there to be any significant difference other than simple vernacular.\n\nOne may say.....'we must maintain production for the shift to within one percentage point of the current value'.\n\nYou could equally say; 'we need to maintain production to within one percent of the current value'.\n\nSee.....not really a whole lot of difference.\n\nAltho, using "percentage points" in lieu of "percent" is not adding information to a statement. So you'd be better off dropping the fancy phrasing and just using "percent" by itself.\n\nAs you can see....you yourself are confused by this terminology, and if anything causes more questioning and chance for misunderstandings than just using the term as intended.
845959
No, 7% means you get charged 7% on your balance each year. Yes during the first years only about 10% of your payment if applied towards principle. Get with your bank and get an amortization schedule which would tell you exactly how much of each payment gets applied where.  E-mail me, I have an excel file if you want one.
1010818
interest cd's bank names....what are the rates, names websites (US)?\nAsked by q a - 0 answers - Investing - 3 minutes ago  \n  my husband and i have our own business. and as he travel a lot i find myself with high responsabilities?\nAsked by lilo - 0 answers - Advertising & Marketing - 3 minutes ago  \n\n  \nOpen questions in Investing \nfdic insured good interest cd's bank names....what are the rates, names websites (US)? \nwhat is the difference between I and EE bonds? \nHow would you rate sharebuilder as a broker? \nIs any one interested in settingup an ethanol unit in India? \nResolved questions in Investing \nDo you know anyone CAPABLE AND WILLING to investing in my Resort Development Project? \ndoes anyone know how many publicly traded healthcare companies exist in US? or know where i can find that info \nWhy did oil stocks recently fall? \nHow does stock market works?
873237
well, you didn't mention the compounding factor, so....\n\nsimple interest\nA sub t is the value (amount) after "t" time\nP is the initial amount invested\nr is the interest rate\nt is time ( in years)\n\n    A sub t  = P ( 1 + r) ^ t\n\nfor compound interest rate\nn is the number of times that the interest is compounded per year\n\n    A sub t = P ( 1 + r/n) ^ (n*t)\n\n\nnow, you have another problem...\nsome CDs only pay interest yearly....\nsome quarterly, some monthly...\nsince your interest rate is different from your APR, \nI'll assume a monthly compounding\n\n     Amt = $2000 ( 1 + (.0489/12)) ^ (12* (11/12))\n\nnote: the  time is 11/12 because interest is figured on a yearly basis and 11 months is 11/12 of a year\n\n  if my calculator does not deceive me\nyou should get   $2091.50
998852
They just break down the price of the stock or fund as a percentage. If you invested 25.00 and the price of the stock is 50.00 you would have you have a 50% or a half unit. This is a common practice for mutual funds and other investing vehicles. It allows you to decide how much money you want to contribute, and they can put your total allotment to work for you, instead of having to wait until you have enough money to buy a full share or unit.
216428
Also called the earnings yield. What is the percentage yield of earnings per share as a percentage of the price per share.\n\nA stock that trades at $10 and generates $1 in earnings per share has an earnings yield of 10% ($1 / $10)\n\nIt is also the inverse of the more commonly used PE ratio.\n\nAlan Greenspan was a fan of the earnings yield concept in determining if the market was fairly valued. The "Fed Model" or the "Greenspan Model" of market valuation was to compare the earnings yield of the S&P 500 to 10-yr treasury yields. If the earnings yield was higher than the market, then the market was undervalued. If it was lower, the market was overvalued.
303707
A CD is a certified deposit.  An amount of money that is held for a specific amount of time that yields a return based on the amount and the time.  (Bigger amounts and longer periods tend to mean more interest)\n\nOnce you give them the money, you can't get it back until the maturity date unless you want to pay a penalty.\n\nEssentially, you guarantee that you'll leave that money where it is for a certain period of time in exchange for the interest.\n\nGood stuff: Fixed rates, decent returns, low maintenance.\n\nBad stuff: If the rates get better, too bad.  Can't access money without penalty.  Money tied up for specific periods of time.
1150475
You multiply [85/100] X 100 --> 85 %\n\nPercent and Percentage are the same in meaning but fall under different contexts. It's the way we apply it. Say for example; the PERCENTAGE of dog pet owners in a Region X is 78 %, and so on.
553933
It a differences between the yield and(what you make and) in it some may be 4.5 percent or 4.0 percent and how much you paid to have this account.
966104
best website to search for CD yields = www.bankrate.com\n\nthey're the best.
7249
BankRate.com publishes a weekly list of highest CD yields in the nation.\nBestCashCow.com keeps a running tally of the best CD rates in the US.
1101396
A security is a fancy name for a stock.  You may also hear the term "equity."  They are interchangeable in that regard.\nYield refers to the other side of the investment equation- bonds.  Yield is another word for the interest rate you accrue for holding the bond.  In other words, how much you get paid for buying and holding it.
141241
It depends. You would have to work out the interest rates to see which one will yield you the most money. My guess is that the daily compounded cd will yield the most. Go to http://www.finaid.org/calculators/scripts/compoundinterest.cgi to see what will yield the most over the time period you need.
544159
The average of the yields of the last 7 days.  You can use it to see which way rates are going if you didn't know otherwise.\n\nSo if my 1 day current yield is 4.08, but my 7 day is 4.01, we can see rates are rising.  \n\nConversely if my current day is 3.96, and my 7 day is 4.02, we can see that rates were higher over the last week than they are today, and they're moving downward.\n\nHope this helps!\n--J.
332971
a VERY SIMPLE example ...\n\nif you bought a t-note that was yielding 1% it means you would get $1/yr for each $100 of the note\n\nif interest rates went up to 2% someone would demand a return of $2 for each $100 of the note \n\nif you wanted to sell your note you would get $100 for every $2 worth of yield you handed over (you would have to hand over $200 face value of your 1% bills for only $100 in order for the buyer to get a yield of $2 for their $100 investment)
571254
Hmmm. Sasha is right...and Richard is probably a taxable guy.\nMunis trading at "par and 3/4" are trading at 100.75, ie, Sasha is right.\n\nMunis don't trade in 32nds, govies do. Even corps trade in decimals and 1/8ths.\n\nIn answer to the question, trading at par and 3/4 means 100.75. So, if you are buying 100 bonds, you would be paying a net of $100,750.00 plus accrued interest.