How long will it take for medium/long-term municipal bonds to recover from inevitably increasing interest rates? For instance, taking into account the interest payments what is the timeframe necessary to hold longer term municipal bonds before you break even from increasing interest rates? Relatives of mine are invested in FHIGX and I know that as rates increase the face value of their bond portfolio will decrease but when is the expected break-even based on a historical average of say 5% short-term rates? Thank you for your help with this question.
posted by gibbsjd77
on Jul 18, 2013 -
I was recently sitting down to tea with a friend of mine's (we're both in our early 20's), and the topic wandered over to hard drug use (e.g. stuff like cocaine and crystal meth, not marijuana or alcohol.) When comparing our perceptions of how common hard drug use was, we were completely surprised when our answers were polar opposites: I saw it as an extremely rare thing, but she said it was something virtually everyone did but no one talked about. What's the truth here? How prevalent is hard drug use anyway? And why do our experiences differ so much? [more inside]
posted by Conspire
on May 24, 2013 -
I am a math tutor in the walk-in tutoring center at the community college and I get asked by a lot of students if I do private sessions off-campus. I ask $20/hr, which I am told by my colleagues is a perfectly reasonable rate. However I realize that $20/hr is prohibitively expensive for a lot of people at community college, and I know that a lot of people I tutor could afford $30/hr or more. How do I tactfully
offer a discount to someone who needs it while charging a higher rate to those who can afford it? [more inside]
posted by triceryclops
on Feb 16, 2013 -
I have to go to Peoria, IL for a week starting February 6 to tend to the affairs of my mother, whose dementia is getting worse. I grew up there but I haven't been back for years, and when I did go back I stayed at Mom's. Now there is no room at Mom's because she's in assisted care. Where should I stay? [more inside]
posted by caryatid
on Jan 22, 2013 -
I'm looking for any data that supports that conversion rates for trial offers are higher when there is a nominal cost for the product or service versus a FREE offer.
posted by pmaxwell
on Oct 26, 2012 -
I have this budding (temporarily) long distance relationship where we put a lot of burden on phone calls (and IM and e-mail). Due to numerous factors I will give detail about in the extended, I am looking for cheap short term alternatives to cut down on costs for long distance and would appreciate some advice. [more inside]
posted by kalessin
on Apr 3, 2012 -
How much did long distance telephone calls cost in the late 1970s and early 1980s? I'm mainly interested in hearing about rates for the USA but data from other countries would be welcome as well. [more inside]
posted by jason's_planet
on Mar 31, 2012 -
I've been a freelance PowerPoint designer for 6 years. Given the state of the economy and my stagnant business, I've been quoting lower rates to prospective clients, but what about old clients who are still paying my old, higher rates? There are a few in particular that I think might give me more work if I charged less. How can I find out if that's true and how much less I would have to charge to get more work? I don't want to offer a lower rate if it won't increase the amount of work they give me, and I don't want to come off as desperate. Can this be done gracefully?
posted by SampleSize
on Feb 6, 2012 -
Assuming that you could
buy a house outright, for cash, why would you get a mortgage? A conversation got me researching this recently. Many articles suggest that if the interest rate is low, a mortgage is better. Yet I can't for the life of me figure out why paying low interest is better than paying no interest. A person with a 30-year mortgage usually ends up paying about 2 times the principal. School me, financial mefites.
FYI: this is just a curiosity. I'm in no position to actually do this in reality.
posted by the jam
on Jan 6, 2012 -
Please clear up the use of statistics by two people trying to compare crime rates in one huge city (NYC) to Charleston, SC. a much smaller city. [more inside]
posted by Elsie
on Sep 29, 2011 -
Freelance Writing Filter: I've been out of the freelance writing market for about three years. I want to go back. I just got an offer to write some online content, and I need to know how much to charge based on a range provided by the company. [more inside]
posted by xenophile
on Sep 1, 2011 -
How can I verify that Reagan's income tax on the rich was 50%, whereas nowadays the income tax on the rich is only 35%? [more inside]
posted by Eiwalker
on Jan 19, 2011 -
What is the source of this statistic: "The world's richest 20 percent consume 70 percent of its resources". [more inside]
posted by crazylegs
on Jun 7, 2010 -
What is the safest and cheapest way to ship 4-7 boxes (and possibly an iMac) overseas? [more inside]
posted by iamkimiam
on May 23, 2010 -
If I send a postcard from China to the United States, I pay 4.5 RMB. Who gets the money? [more inside]
posted by jweed
on Apr 9, 2010 -
I will be living in Mumbai for 11 weeks next summer. I have an unlocked iPhone 3G. What is my best bet in terms of carrier and plan for the cheapest and most reliable data access? I plan to do local calls over the cell phone voice network and international calls via Skype on the iPhone.
Thanks in advance!
posted by jesseendahl
on Nov 17, 2009 -
Statistics question: is it possible to test sets of cumulative data for significant differences in rate? [more inside]
posted by rollick
on Nov 4, 2009 -
Need to transfer modest amounts of money from UK to a US bank account every 2-3 months. What would be the most cost-effective way to do so? [more inside]
posted by moiraine
on Oct 22, 2009 -
Photography pros: I've been approached by an editor who wants to publish my photos, and he asked me for my rates. I never sold a photo before. How do I price them? [more inside]
posted by AnyGuelmann
on Oct 13, 2009 -
Freelance web designers - what factors do you use to estimate the number of hours you'll spend on a project? I'm looking for examples of reasonable rough estimates (based on scope). [more inside]
posted by Fifi Firefox
on Jul 7, 2009 -
As a soon-to-be freelance web designer, how much should I charge hourly for one-off projects? [more inside]
posted by anonymous
on May 12, 2009 -
I have saved up about $25,000 for school, which starts in September. I have it in a WaMu online savings account which had very high interest, but now the interest rates have plummeted so that I am barely making anything anymore. It went from getting $50 a month on $10,000 to making $17 this month on 25k. :(
Where should I put my money where it will be safe, easily accessible in a fairly short term, and yet with as high of an interest return as possible. I also need to be able to continue to input money into the account every month when I get my paycheck.
PS: I am planning to take loans if they are interest free and hold off paying them until I can't defer any longer. But when I quit my job, I will need to start withdrawing money for daily living expenses.
posted by brenton
on Mar 13, 2009 -
Hired to host and produce video content for a PR firm. How much should I ask to be paid? [more inside]
posted by anonymous
on Feb 22, 2009 -
What's the going rate for a freelance re-recording ("dubbing") mixer in the UK? This is for an independent feature documentary. [more inside]
posted by mooza
on Jan 2, 2009 -
Mortgage Expert Needed: How do I take advantage of these low low mortgage rates BEFORE I gain building approval. [more inside]
posted by Thrillhouse
on Dec 22, 2008 -
We're refinancing our home mortgage and want to know if you think we should jump now or wait, considering recent news about mortgage rates dropping further based on supposed guarantees by Freddie and Fannie. [more inside]
posted by terrier319
on Dec 4, 2008 -
What is the best investment vehicle for "income stream", i.e. where can you put your money and get a return that you could live off of? Any recommendations?
posted by kapec
on May 8, 2008 -
Should I choose a private student loan based on the 1-month LIBOR or the Prime Rate? [more inside]
posted by Asherah
on Apr 8, 2008 -
I'm currently running a business where I monitor computers for people. I use custom made software that gets by all the anti-malware scanners and through the firewalls. I have been charging $40/hr for the first hour, and $45 for each hour after that.
Since most of work may only take 1-4 hours per client I've been told that I'm charging too little. Figures have been thrown at me by friends, family and even clients that I should charge $60, $75 or even $100. What is a fair amount in this business.
Yes this involves spying on people at the workplace, churches and spouses. My first question. I've searched mefi for similar stuff and came up empty.
posted by Jack Feschuk
on Mar 10, 2008 -
What's a reasonable hourly rate for a freelance IT guy? Phone systems, networking, basic setups, etc. [more inside]
posted by foxydot
on Feb 10, 2008 -
Are US high schools graduation rates for private, parochial, and target schools real? [more inside]
posted by MrMulan
on Oct 11, 2007 -
I have just spent the afternoon watching stocks around the world decline partially based on sub prime market fallout. My question is how can things be so great when the Fed is handing out stacks of cash to keep things stable (34 Billion USD and counting, not including the international bail out)?
posted by Funmonkey1
on Aug 10, 2007 -
How much should I charge for my freelance design services? Have to give a quote by tomorrow, and I don't know how to determine what my time/my skills/the job/etc. is worth in order to quote them fairly. [more inside]
posted by othersomethings
on Apr 3, 2007 -
If it costs me, say, 2 cents a minute to call a landline in Europe and, say, 25 cents a minute to call a cell phone in that same city- why isn't there a service (in Europe) that allows me to call a landline which connects my call to a mobile phone (and charges me 5 cents a minute or a monthly charge or whatever) Or, is there?
posted by vacapinta
on Jan 19, 2007 -
Too many phone service providers. Help me reduce down to what I really need. [more inside]
posted by Xurando
on Jan 16, 2007 -
I've been uploading family photos to flickr and am thinking of offering to pay my nieces and nephews (ages 8-12) to tag them. What would be a reasonable rate? I want to encourage a work ethic in them, so it's important to me that I not under- or over-pay them.
posted by espertus
on Jan 9, 2007 -
The unanswerable(?) questions about rates. RE: Web design, development, photography and the works. There is, of course: [more inside]
posted by IronLizard
on Nov 20, 2006 -
When I moved from one town in Mass to another 4 years ago the rate DOUBLED. I can't move back there (commuting) but I'm looking for a town by town comparison. Googled it, Groups too, maybe too deep down, maybe queries were weak. Where if anywhere can I find this info? [more inside]
posted by Grand Wahzoo
on Nov 3, 2006 -