How to Make Money With Rising Interest Rates (5 Steps)

Buy an inverse or short bond fund exchange traded fund (ETF). As interest rates rise, the prices of long bonds will fall to reflect the higher yields. The price of an inverse or short bond ETF like the ProShares Short 20+ year Treasury (TBF) will go up as the price of the bonds goes down, enabling you to profit from the price drops.
Ensure that your savings accounts or other interest bearing bank accounts are all variable-rate accounts, so that the interest rates will rise in line with the market.
Set up a 'bond ladder' with your CD investments. This means that you invest in a series of CDs (certificates of deposit) with different maturities. As each one matures, you reinvest in a slightly longer maturity again, keeping the ladder intact. When interest rates rise, this ensures that you will have CDs maturing soon after the higher rates come in, enabling you to quickly reinvest at preferential rates.
Invest in floating rate notes (FRNs) rather than fixed-rate bonds. These reset their interest rates at set periods, usually every three months, based on a predetermined formula. This is usually a margin over London Interbank offered rate (LIBOR).
Ensure that your equity portfolio is concentrated in sectors that will benefit, or at least not suffer, because of rising rates. These include financials, as banks benefit from the wider spread between the rates charged to borrowers and paid to savers as underlying rates rise. Consumer staples also hold up well in times of rising rates. Demand for products from companies such as Coca-Cola (KO), is stable at such times.
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How to Calculate Vacation Time Earned in Work Businesses

Review personnel policies and union contracts to identify the annual vacation benefits for the job classification. The policy will typically state that a managerial employee with up to five years of service earns 10 days per year, with up to 15 years of service earns 15 days per year and after 15 years of service earns 20 days per year.
Identify the rate used by your company to calculate the total hours in a year. Most companies use 2,080---factored by multiplying 40 hours per week by 52 weeks---although some organizations use 2,087, which is the actual amount averaged over time, including leap years.
Verify if the vacation is paid only on hours actually worked, or if employees earn vacation time while on leave. In most cases, the employee will earn vacation while on vacation. In this case, you will not need to perform any additional calculation. However if the vacation is earned only on hours worked, deduct the amount of annual vacation from the total annual hours. For example, an employee earning 10 days vacation per year would deduct those 10 days---or 80 hours---from a total of 2,080 days in the year, to get a new figure of 2,000.
Multiply the number of days of vacation by eight to get the total annual amount in hours. Then divide that amount by 2,080---or adjusted amount, if vacation is only earned on hours worked---to get the hourly accrual rate. For example, an employee eligible to earn 10 days per year would calculate the hourly accrual as follows: 10 x 8 = 80; 80 / 2,080 = 0.038461538461538 per hour.
Calculate the accrual rate per day by multiplying the hourly accrual rate by 8. Obtain the weekly rate by multiplying the hourly accrual rate by 40, and get the biweekly pay period rate by multiplying the hourly rate by 80.
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