Category: Forex Trading

CFD trading involves speculating on the rising or falling prices of fast-moving global financial markets, including currency pairs like EUR/USD. Leverage in CFD trading allows traders to gain larger exposure to the EUR/USD market than the amount of capital they initially commit, potentially amplifying both profits and losses. Swing trading, a popular forex trading strategy for trading EUR/USD, involves holding onto trades for several days or weeks to capitalize on short-to-medium term price movements in the forex market.

Mean Reversion Strategy

The content on this website is not intended as investment advice or recommendation or an invitation to participate in any investment activity. There are multiple factors to consider when trading the EUR/USD pair. While it is one of the most liquid pairs in the world, there are some nuances that you need to Eur usd trading be aware of. Participate in direct trading with the guidance of our recommended brokers, meticulously vetted and favorably reviewed by our users.

We partner with leading data providers to bring you the latest and most accurate prices for all major currencies and precious metals. In forex, things are different because more numbers after the decimal point are taken into account. It’s these micro-movements that make forex trading a volatile activity. Therefore, when you’re assessing the risks of EUR/USD, you need to think about how significantly and frequently the price will change.

• The USD’s widespread acceptance and liquidity enhance its importance in the global financial system.
• Sometimes, the best action is to do nothing, but most traders have the urge to do something.
• However, they are random and unpredictable by nature, so we believe it’s hard to make money on it.
• The entities above do not offer services to residents of certain jurisdictions including the USA, Canada, Iran, North Korea, Russia, and other Restricted Jurisdictions as per the applicable T&Cs.
• The profitability of carry trade strategies in EUR/USD is influenced by the interest rate differentials set by the European Central Bank and the Federal Reserve.

Both are extremely difficult to make money on and about 90% of traders fail to make money. When trading EURUSD, it is important to manage leverage and volatility by using risk management techniques such (for example) as setting stop-loss orders and using proper position sizing. The overlap period between the European and US trading sessions is a crucial time for EUR/USD trading. This period, which typically occurs between 1pm and 4pm GMT, is recognized for higher liquidity and volatility, providing optimal conditions for trading EUR/USD. Keep in mind that futures and spot prices might get different results in a backtest.

Long-Term Trading (Swing and Position Trading)

Information on the TradersUnion.com website is for informational purposes only and does not constitute any motive or suggestion to visitors to invest money. Moreover, we hereby warn you that trading on the Forex and CFD markets is always a high risk. According to the statistics, 75-89% of customers lose the funds invested and only 11-25% of traders earn a profit. Trading in futures and options carries substantial risk of loss and is not suitable for every investor.

Pound takes breather after hitting highest point against dollar since 2022

EUR/USD typically has some of the lowest spreads in forex, often under 1 pip during peak trading hours. That said, spreads can widen significantly during off-peak times, low-liquidity periods, or around major economic announcements, so timing your trades matters. Markets closely monitor speeches, interviews, and statements from central bank officials for clues about future monetary policy. When one central bank raises rates while the other holds steady or cuts, the relative yield advantage can lead to significant shifts in demand. For example, if the Fed hikes while the ECB remains dovish, EUR/USD may fall as investors favour the higher-yielding US dollar. Conversely, hawkish signals from the ECB could strengthen the euro.

• EUR/USD holds a special place in the hearts of traders, thanks to its unique position in the Forex market.
• In the long run, the forex market goes where the fundamentals go, The main determinants are interest and inflation rates.
• Trading CFDs involves high risk and leverage but offers potential profit in currency markets.
• The EUR/USD currency pair, integrating the economic might of both the European and American economies, is the most widely traded pair in the world.

Crafting Your EURUSD Forex Strategy

Last but not least, the level of broker services and support can significantly impact the trading experience. Forex brokers often offer educational resources like webinars and tutorials to help traders improve their skills and make smarter decisions. Its high liquidity and the availability of extensive market information make it an attractive option for both novice and experienced traders. EUR/USD forecast by TU is prepared automatically on the basis of technical analysis of moving averages and indicators for each timeframe (interval) separately.

Enhancing breakout trades:

Correlation analysis is another important factor because you should aim to trade many pairs, and you want to trade only uncorrelated pairs. Gold reduces its earlier advance and comes close to the $3,300 mark per troy ounce on Thursday. The benchmark US 10-year rates have steadied following a large decline the day before, posing problems for XAU/USD in its bid to climb higher. This widget shows the latest week’s Commitment of Traders open interest.

A patient approach helps avoid the temptation to overtrade and make impulsive decisions, leading to suboptimal results and increased trading risks. Position trading is a long-term strategy that involves holding onto trades for several weeks or months (we can argue a bit similar to swing trading). It is based on a deep understanding of global economics and requires patience due to the prolonged nature of trade horizons. Market sentiment might be another important aspect of a EUR/USD trading strategy.

Select the timeframe you need to find out EUR/USD price prediction for today. Exchange-rates.org has been a leading provider of currency quotes and precious metal prices for nearly 20 years. Our information is trusted by millions of users across the globe each month . We have been featured in some of the most prestigious financial publications in the world including Business Insider, Investopedia, Washington Post, and CoinDesk.

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In times of high-risk appetite and when the market is more optimistic, EUR/USD is expected to rally. Trade and investment flows between the eurozone and the United States can influence EUR/USD direction. EUR/USD often reflects global risk appetite, especially during periods of market uncertainty. Traders often respond swiftly to unexpected headlines, with sharp price movements during uncertain or unstable periods.

When economic activity in the United States is strong, the dollar strengthens and the EUR/USD exchange rate adjusts accordingly. Because the United States is also considered a safe haven for assets of all kinds, the dollar tends to rise during times of political or global financial tumult. EUR/USD is the most popular pair for Forex currency traders worldwide and with good reason. Reviewing the EUR/USD chart on a consistent basis gives a clear picture of market trends. Most traders start trading the EUR/USD before other pairs, as it does tend to move predictably over the longer term. It’s therefore not much of a surprise that the EUR/USD is the most actively traded currency pair in the world.

When the prime rate goes up, so does the cost to access small business loans, lines of credit, car loans, certain mortgages and credit card interest rates. Since the current prime rate is at a historic low, it costs less to borrow than in the past. The target federal funds rate, which is set by the Fed, serves as the basis for the prime rate. The federal funds rate is the interest rate commercial banks charge each other for overnight lending.

In March 2020, due to the negative effects of the COVID-19 pandemic, the Fed initiated two emergency rate cuts to increase investments and spur the economy. These rate cuts decreased the Fed Funds rate target to a range of 0% – 0.25%, which decreased the Prime Rate to 3.25%. Inflation rose above the 2% target in March 2021, and the Fed responded with a series of rate hikes in 2022 and 2023.

Powell: Workers still have it pretty good

No one I’ve talked to over the past few weeks expects that the Fed will cut rates today. Indeed, retail sales dropped the most in four months, driven by tariff-related anxieties. More than half of Americans (56 percent) say they believe that the U.S. economy is headed in the wrong direction, according to Bankrate’s new Consumer Sentiment Survey.

How We Make Money

The average credit score to qualify for an auto loan has been increasing, but subprime approvals rose slightly in May, according to recently published data in the Dealertrack Credit Availability Index. While interest rates may not fluctuate much through 2025, it may still become more difficult to afford a car in the coming months. Take the Fed rate into some consideration when shopping, but remember that lenders rely on much more to guide approvals and interest rates. Increases and decreases in credit card interest rates are closely linked to the prime rate, which is generally 3 percentage points higher than the fed funds rate.

How much will the Fed cut interest rates? Experts weigh in

Prime Interest Rates affect you because they form the basis for how lenders determine interest rates for financial products such as personal loans, credit cards, and commercial loans. The Prime Rate is also the base or reference rate for Adjustable-Rate Mortgages and other variable-rate loans. If there is an increase in the Prime Interest Rate, in most cases there will be an increase in the interest rates for variable-rate loans. When the prime rate changes, the effects ripple out to regular borrowers even though only the most stable corporations with sterling credit scores generally qualify.

There are ways you can reduce your exposure to the risk of rising rates. And you can opt for fixed-rate loans rather than variable-rate ones. But you could also opt for a home equity loan (mostly fixed-rate) rather than a HELOC (mostly variable-rate). But there are things you can do to moderate your risks when interest rates are rising. To start with, you can cut back on your borrowing so your budget won’t be swamped if rates increase. So, it adds to its base rate in accordance with the risks it thinks you pose.

Federal Reserve leaves interest rates unchanged as it forecasts higher inflation

In fact, since the end of the Covid-19 recession, the prime rate has steadily risen to the highest level it’s been at over the last 20 years. HSH uses the print edition of the WSJ as the official source of the prime rate. Many (if not most) lenders specify this as their source of this index. In recent months, the labor market has slowed alongside cooling inflation.

• Increases in the Federal Funds Rate (and indirectly the prime rate) is seen as monetary “tightening” or “contractionary” policy.
• These rates are normally defined as an annual percentage rate (APR).
• The Federal Reserve continues to hold its benchmark rate at its highest range since 2007 — and while this can cause headaches for borrowers, savers are enjoying a moment in the sun.
• Borrowers with a prime credit score (usually 660 and above) are more likely to receive prime, or favorable, terms.
• I expect there will be one to two rate cuts this year, and if inflation remains relatively cool in July and August, the first rate cut in 2025 should come in September.

So, the rate on your existing fixed-rate mortgage won’t budge, but most of your other borrowing costs (including adjustable-rate mortgages) will. Banks generally use fed funds + 3 to determine the current prime rate. The rate forms the basis for other interest rates, including rates for mortgages, small business loans, or personal loans. If lenders notice that their top customers (i.e. corporations) are finding it difficult to repay their debt and their credit is dropping, this can be an indicator of higher default risk.

While that’s less expensive than credit cards or personal loans, it’s still far from “cheap” borrowing. The graph and chart reported below are based upon the rates on the first day of each respective month over the past decade. Some banks use the name “Reference Rate” or “Base Lending Rate” or “Base Rate” or “Preferred Rate” to refer to their current Prime Rate which they use as a benchmark for commercial loans and consumer loans.

When prime rate changes (as a result of the Fed changing the federal funds rate), your credit card APR also fluctuates. The change follows windsor brokers review the same pattern as the prime rate — meaning a decrease in the prime rate results in a decrease in your card’s APR. The exact change in your interest rate depends on how much the prime rate changes — take for instance, the two recent adjustments that resulted in .50% and 1% APR reductions. A 1% decrease means a 14.99% variable APR would decrease to 13.99%. The prime rate isn’t determined by the Fed, but instead by individual banks. However, the prime rate is influenced by something called the federal funds rate, which is set by the Federal Open Market Committee consisting of twelve Fed members.

It was cut by 0.25 percentage points after the FOMC reduced the target range for the federal funds rate to 4.25%-4.50% in December 2024. An interest rate is the percentage of a loan amount that a lender charges. It is the lender’s compensation, and the percentage varies with each type of loan.

He noted that all of the forecasters he’s been monitoring believe this to be the case. Interestingly, this is consistent with a new Bankrate survey finding that nearly two-thirds of Americans believe tariffs will be negative for their finances. That’s not what Powell said, but he expressed confidence that consumers will feel some degree of bite from rising prices in the not-too-distant future.

While the prime rate doesn’t directly affect conventional mortgages with fixed rates, rising prime rates can signify a rising interest rate environment. If you need to refinance your mortgage, higher prime rates might mean that you’ll have to refinance at a higher rate due to higher interest rates for all mortgage loan products in general. The prime interest rate is the percentage that U.S. commercial banks charge their most creditworthy customers for loans.

Does the prime rate affect all types of loans?

• On its H.15 statistical release, “Selected Interest Rates,” the Board reports the prime rate posted by the majority of the largest twenty-five banks.
• Interest on the debt is on track to total $1.2 trillion this year and exceeds all other budget items except Social Security and Medicare.
• Large corporations are less likely to default on their loans, so they receive loans with the Prime Interest Rate.
• It surveys the 10 largest banks by assets and posts the consensus prime rate among them.

The Federal Reserve meets 8 times yearly to determine whether the Fed Funds Rate needs to be changed. The Fed Funds Rate, which US banks charge to lend to each other overnight, determines the Prime Rate. Banks use this Fed Funds Rate as a starting point to determine the Prime Rate for their most creditworthy customers. Bankrate.com is an independent, advertising-supported publisher and comparison service.

A growing minority of FOMC members are forecasting zero rate cuts this year — seven of 19 are making that prediction, up from four of 19 three months ago. And even if we get a cut or two, that won’t make a big difference in the grand scheme of things. Our advice at Bankrate is for individuals and households to prioritize emergency savings and to pay down debt. This will be especially helpful if consumer prices surge, making life more expensive for just about everyone. Chair Powell suggested that taxes on imports, known as tariffs, will keep driving up prices in the coming months.

In the October 2024 quarter, Zscaler reported 26% quarter-over-quarter revenue growth on “strong sales execution.” Operating cash flow was $291.9 million and 53% of revenue. The GAAP loss per share shrank to $30.7 million from $46.1 million in the prior year period. Zscaler operates a cloud security platform sold to customers on a subscription basis. Customers operate in various sectors, including household and personal products, banking, transportation, hospitality and biotech.

• Its initial public offering (IPO) in June 2021 raised $1.2 billion in cash and valued the company at $10 billion, making SentinelOne’s IPO the largest ever for a cybersecurity company.
• This has made a difference for total revenue, which increased by 14% to $2.3 billion.
• They can design robust cybersecurity infrastructure by looking at a full company’s IT systems.
• Several analysts increased their price targets for RBRK shares in the last two weeks of November, indicating a generally bullish outlook on the company’s stock price.
• However, it’s still important to research an ETF, just as you’d research stocks, before buying.

Okta Business Overview

What’s more, Palo Alto has exceptional acumen across addressing various other cyber vulnerabilities, including solutions for software as a service (SaaS) platforms and internet of things (IoT) networks. Admittedly, though, for this relevance, investors are paying a bit of a premium, especially as the company’s financial and profitability strengths are middle of the road. Most of First Trust’s ETF holdings are mid- and large-cap stocks in the technology sector. Most of the stocks here are pure-play cybersecurity stocks, but many companies operate in complementary industries such as aerospace and defense. Three of the stocks mentioned above are in its top five holdings. The expense ratio is only 0.6%, and the dividend yield is 0.32%.

RBRK: Revenue Climbing, Path to Cash Positivity

Tenable has entered other categories like cloud-native application protection platform (CNAPP) solutions and cloud infrastructure entitlement management (CIEM). “The attached rate of Purple AI across all eligible endpoints doubled compared to Q2,” said Weingarten during SentinelOne’s fiscal 2025 third-quarter earnings call. “Purple is one of the fastest-growing solutions in SentinelOne’s history and will continue to drive meaningful growth into the future.”

He has covered investing and financial news since earning his economics degree from the University of Maryland in 2016. Sam has previously written for Investopedia, Benzinga, Seeking Alpha, Wealth Daily and Investment U, and has worked as an editor for Investment U, Wealth Daily and Haven Investment Letter. Admittedly, a 15% sales growth expectation doesn’t compare well to Okta’s history. Annual sales growth from fiscal years 2019 to 2023 ranged from 40% to 55%. Akamai sells to financial companies, video streaming companies, healthcare providers, retailers, pharmaceuticals and the U.S. military. Patrick Sanders has no position in any of the stocks mentioned.

Methodology Used For These Cybersecurity Stock Picks

However, the counterargument is the relevance of the identity and access management market, which is only projected to rise higher. CACI International is not just a cybersecurity play but a world-class information technology products, solutions, and services company. They provide information assurance, security, systems integration, reengineering, electronic commerce, and related services.

Sharma says, “With more than 660,000 customers, 1,285 global patents and 50-plus enterprise cybersecurity products, Fortinet commands a significant presence in the cybersecurity field. Another cloud-native security vendor, Zscaler (ZS -4.08%), works in tandem with endpoint security services to help keep data secure. The company has been increasing its sales at a rapid pace and is another of the largest pure-play cybersecurity stocks as measured by market cap. The stock sold off sharply in 2022, bounced back in 2023, and took another hit the next year. The roller coaster ride notwithstanding, Zscaler continues to deliver profitable revenue growth. Insider Monkey compiled a list of high growth cybersecurity stocks to buy.

List of Mountain Bike Stocks 2025

According to feedback from more than 3,500 cybersecurity and business leaders for IBM’s Cost of a Data Breach Report 2024, the average cost of a data breach is now $4.88 million. So it seems like cybersecurity costs will continue to increase. However, it’s still important to research an ETF, just as you’d research stocks, before buying. Check out a fund’s fees and holdings to make sure it’s a good match for your portfolio. The first is if the event in question pushes down a company’s expected future earnings to a point where it looks too expensive at its current price.

The remaining nine cybersecurity stocks were ordered by free cash flow (FCF) per share—highest to lowest—and the bottom three were dropped. FCF was calculated from each company’s most recent year-end financial releases as operating cash flow less capital expenditures or capex. Capex included purchases of property, plant and equipment and capitalized software costs. Its best-in-class hardware continues generating more revenue as many organizations turn to Fortinet for help building new data centers and 5G mobile networks.

It’s also easy to deploy to the millions of people working from home and the billions of machines connected to the internet. Cybersecurity capabilities for individuals, corporations, institutions and governments are a must. Threats keep becoming more sophisticated, requiring upgrades and additional offerings so investing in this industry seems like a solid bet. Year to date total return was 15.6% with a net expense ratio of 0.51%. Top holdings include Zscaler, Palo Alto Networks, CrowdStrike, Fortinet and Check Point Software. In addition, given the changes in the industry, it’s important to find companies that have well-regarded technology and innovation.

• The GAAP loss per share shrank to $30.7 million from $46.1 million in the prior year period.
• A key highlight is Fortinet’s nearly 18% net margin, which is up from its median metric of 10% during the past 10 years.
• While the company’s revenue growth has slowed recently, Rapid7 has also recently achieved GAAP profitability—a milestone in the cybersecurity space.
• Testimonials appearing on this website may not be representative of other clients or customers and is not a guarantee of future performance or success.
• Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues.

As the world chases faster, smarter machines, a hidden crisis is emerging behind the scenes. Neither the author nor editor held positions in the aforementioned investments at the time of publication. In the third quarter 2024, Rapid7 grew sales 8% year-over-year, and produced FCF of $39 million. Learn how you can make money from the wave of seasoned companies innovating in AI and new AI tech companies. As a content delivery network (CDN), Akamai (AKAM -1.25%) ensures data securely arrives at its intended destination.

These add to the momentum of rising cyberattacks expected by analysts for this year. The cybersecurity industry is experiencing unprecedented growth, fueled by increasing cyber threats, the expansion of cloud computing, and the adoption of artificial intelligence (AI) in security measures. Rubrik’s share price fell after it reported earnings on June 5, but price targets moved up massively. On average, analysts boosted their price target on the stock by 26% after earnings. Analysts at Wells Fargo significantly influenced this, boosting their target by $45.

Should You Invest $1,000 in Zscaler Right Now?

The cloud-first approach of CrowdStrike has allowed it to take market share quickly with large enterprises and public institutions, and is now replicated by all the large cybersecurity companies. The company should also see its international business grow, with still 3/4th of the Global 2000 companies yet to enter the CrowdStrike ecosystem. Zscaler grew revenues by 23% last quarter, and its billings rose by 25%. When billings grow faster than revenue, it Cyber security stocks suggests that revenue growth may accelerate in the future, as billings are a key indicator of future revenue. The company is profitable on an adjusted basis and is moving strongly toward non-adjusted profitability.

Par value in the context of bonds represents the promised dollar value to be returned to the bondholder at the expiration of the bond. In addition to this, par value helps determine the coupon value which is the nominal amount the bondholder will receive as interest on their investment. Typically par values on bonds are either $1,000 or $100 however, they can be set at any value. When it comes to stock issuance, there are two terms that are commonly used – par value and face value.

Market Value vs. Face/Par Value

It can be imagined as a fixed central node, and the market prices circulate. The market price may fluctuate above or below the face value forced by market forces and the economic environment. However, events like stock split can reduce the face value but are balanced by increased shares. Par value is the minimum value of a security set and stated in the corporate charter or its certificate by the issuer when issued for the first time. Par value is the minimum price at which a share of stock can be sold. This value is often set by the company when they issue the stock and is typically a small amount, such as $0.01 or $0.10 per share.

Understanding Silent AFib: The Hidden Heart Condition You Should Know…

• Face value is also known as “par value” or “par,” typically about bonds.
• While they may sound similar, they actually have different meanings and uses.
• In most cases, these terms have a similar meaning or can be used interchangeably.
• The interchangeable use of “face value” and “par value” often causes confusion, especially for those new to finance.

Premium bonds sell for more than face value, typically because of higher coupon rates compared to prevailing interest rates. Discount bonds, on the other hand, trade for less due to lower coupon rates. Understanding the significance of bond par value and face value is essential for investors. The par value influences the coupon rate, while the face value determines the bond’s yield to maturity.

Definition of Face Value in Bonds

Among these terms, “face value” and “par value” are often used interchangeably, yet they hold distinct meanings in different contexts within finance. This distinction is particularly significant when dealing with bonds and stocks. Misunderstanding these concepts can lead to confusion in financial reporting and investment decisions. Understanding the difference between par value and face value is important for investors and companies alike.

Difference Between Face Value and Price

While these terms may seem similar, they have distinct differences that can impact the value and trading of a stock. By carefully evaluating these factors, investors can make informed decisions about their investments and companies can ensure they are in compliance with legal requirements. In summary, the bond par value serves as a fundamental anchor for bond pricing, interest payments, and investor expectations. Whether you’re a seasoned investor or a curious learner, understanding this concept empowers you to navigate the complex world of fixed-income securities with confidence.

• Face value, on the other hand, is used in financial statements and disclosures to represent the initial value of a security.
• Understanding the attributes of face value and par value is crucial for investors, bondholders, and anyone involved in the financial markets.
• While these two terms may seem similar, they have distinct differences that investors must understand when investing in bonds.
• It determines the instrument’s maturity value as well as the dollar value of coupon payments.

For example, a company with a high face value may see its stock price drop if it reports poor earnings or faces negative news. While both par value and face value are related to the value of a security, they represent different aspects of the investment. Par value is the minimum price at which a share can be issued, while face value is the value of a security as stated by the issuer. Understanding their differences is important for any investor who wants to make informed investment decisions.

Although it applies to stocks and bonds, it is more prevalent among bond investors than the former. Therefore, it is crucial to look at this term for both stocks and bonds. Provisions related to dividend distribution or additional share issuance can have significant tax implications. For example, U.S. tax laws address stock dividends under specific regulations, requiring companies to consider these rules when structuring their financial strategies.

The face value of a stock or bond does not equal its actual market value. Market value is determined by supply and demand, which are governed by the dollar figure where investors are willing to buy and sell the security at a given time. Depending on market conditions, the face value and market value may have very little correlation. However, the par value of bonds may be more critical than the par value of a stock.

Par Value and Accounting

While the face value of a bond provides a guaranteed return, the face value of a stock is not an indicator of its actual worth. Although crucial, par and face values have little or no impact on the price that investors pay. Instead, the market value dictates how much investors must offer to receive the underlying asset. The par value of stocks is the price below which a company cannot sell its shares.

A bond’s face value is the amount the issuer provides to the bondholder, once maturity is reached. A bond may either have an additional interest rate, or the profit may be based solely on the increase from a below-par original issue price and the face value at maturity. For example, coins, paper money, and stamps have a par value vs face value face value, which is the amount mentioned on them. In the case of stocks and bonds, this value appears on the certificates.

Any amount received above the par value is recorded in the additional paid-in capital (APIC) account. Therefore, there are accounting and reporting presentation implications for what the par value is. A bond with a par value of $1,000 and a coupon rate of 4% will have annual interest payments of $40 or 4% x $1,000.

Shares usually have no par value or low par value, such as one cent per share. Once defined, it is the lowest limit set to the value of a share of stock. The par value, however, is commonly unrelated to a stock’s market price.

Современный флаг Беларуси во многом схож с флагом Белорусской ССР и утверждённым 25 декабря 1951 года10. Автором флага является Николай Гусев1112, информация о неком Михаиле Гусеве13 возникла в результате ошибки, допущенной в книге А. Куркова «Флагі Беларусі ўчора і сёння», вышедшей в 1994 году, в чём признался один из её авторов14. Форма и размеры флага регламентированы законодательством Беларуси.

Белорусская Народная Республика

В 1917 году многие белорусы считали своим государственным флагом полотнище красного цвета с изображением белой Погони15. Во время Февральской революции в Российской империи белорусские организации Петрограда обратились к молодому архитектору Клавдию Дуж-Душевскому для создания флага белорусского национального движения. Он сделал несколько проектов флага, из которых был принят бело-красно-белый16. С 5 по 18 декабря 1917 года под бело-красно-белыми флагами прошёл Первый Всебелорусский конгресс18.

Изучение первых символов на земле Беларуси позволяет нам лучше понять историческое и культурное значение государственного флага Беларуси и его развитие на протяжении веков. История государственного флага Беларуси насчитывает несколько веков. Однако, идентификация Беларуси как независимого государства произошла значительно позже. Тем не менее, на территории современной Беларуси можно обнаружить первые следы символики еще в древности. Однако после присоединения Беларуси к Советскому Союзу флаг был изменен.

• Он является одной из главных государственных символов, которые гордо возвышаются на флагштоках и украшают праздничные мероприятия.
• Опубликование описания флага отложили до выяснения вопроса о том, какие государственные флаги существуют в УССР и ЗСФСР.
• Орнамент на флаге отражает народное искусство и наследие Беларуси.
• Государственный флаг Республики Беларусь, изготовленный в настольном варианте, может быть установлен в помещениях, используемых организациями и гражданами Республики Беларусь.
• Флаг был разорван на сувениры, на его кусках управделами расписывался лично6061.

История Более Красивого Белорусского Флага: от создания до современности

Герб Беларуси – символ народной воли, который используют все государственные органы власти страны. Земной шар подчеркивает, что Беларусь является частью цивилизации и воспринимает все народы мира в качестве равноправных друзей и партнеров. Красный цвет символизирует братство, кровные узы и борьбу за правое дело. Штандарты такого оттенка использовались еще во время Грюнвальдской битвы с крестоносцами, а также партизанами ВОВ.

Категория:Флаги Беларуси

Флаг Белару́си (бел. Сцяг Рэспублікі Беларусь3, Флаг Рэспублікі Беларусь45) — официальный государственный символ Беларуси наряду с гербом и гимном. Был утверждён 7 июня 1995 года по результатам референдума от 14 мая, заменив бело-красно-белый флаг, использовавшийся с 1991 года. Флаг БССР использовался на территории Белорусской ССР, как одного из союзных составных республик СССР. После получения Беларусью независимости флаг БССР был заменен новым государственным флагом Республики Беларусь. Флаг БССР представлял собой красное полотнище с восемью золотыми зубчатыми лучами, выходящими из верхнего края флага к его середине. Сверху на центральной части флага была размещена красная пятьконечная звезда, выполненная из пятиберезы, окруженная золотой каймой.

Орнамент

Гербы и знамена того времени были не просто символами, а отражением государственной мощи, социальной структуры и культурного наследия. Геральдика Беларуси — это увлекательная история, переплетённая с эпохами, событиями и культурами, что формировало национальное самосознание на протяжении веков. Современные флаги городов и областей Беларуси вобрали в себя традиции, заложенные ещё в эпоху средневековья, и до сих пор продолжают развитие этого наследия. В день выпуска марки было произведено спецгашение штемпелем «Первый день» с фиксированной датой и выпущен конверт первого дня (КПД) . На первой странице популярной польской газеты “Слово” был описан настоящий триллер в зале Виленского окружного суда. Также ромбы с точками внутри (а также центральный ромб, у которого точки в каждой из его четырёх частей) называются «шашечными ромбами»50 или «ромбо-точечным орнаментом»51.

Республика просуществовала всего несколько месяцев, большая ее часть была оккупирована немцами, но флаг окончательно закрепился как национальный символ. В советской Белоруссии официальным был сначала красный флаг, а потом красно-зеленый с орнаментом в левой части. Символика флага Беларуси также связана с его историческим прошлым. Форма горизонтальных полос и цвета флага отражают традиционные элементы и цветовую гамму белорусской культуры. Орнамент на флаге отражает народное искусство и наследие Беларуси.

И поэтому для Беларуси выше шансы добиться хоть каких-то успехов именно в хоккее. Фигуры справа и слева от ромба — символ благосостояния и богатства. Две крестообразно пересечённые линии с четырьмя точками между ними внутри ромба означают засеянное поле. Для этого он чертил на земле большой квадрат, разбивал его на 4 равных квадрата и отправлялся на «все четыре стороны». Затем брал с четырёх полей по большому камню и укладывал в центре каждого квадрата.

С тех пор флаг Более Красивого Белорусского Флага неоднократно менялся в ходе исторических событий, но его основные символические элементы оставались неизменными. Он остается гордостью и символом национального единства и идентичности для белорусского народа в современности. После 2022 года многие белорусские водители, чтобы не ассоциироваться за рубежом с властями своей страны, предоставившими территорию Беларуси для армии РФ, стали заклеивать на своих номерных знаках официальный красно-зелёный флаг. Вместо него на номерах начали появляться символы белорусского протеста – бело-красно-белый флаг и герб «Погоня»118. 14 мая 1995 года по инициативе президента Республики Беларусь Александра Лукашенко был проведён первый в истории независимой Беларуси референдум. На голосование было вынесено 4 вопроса, в том числе — об установлении новых флага и герба.

• А на первой странице “Правды” от 3 ноября помещена фотография, в самом центре которой – выступающий Притыцкий.
• В конце 1980-х годов бело-красно-белый флаг стал неофициальным символом борьбы за государственную независимость Беларуси.
• В нынешнем году этот государственный праздник выпадает на 12 мая.

Так что у меня с детства отдельная готовка, ведь даже бычий флаг если суп сварен на мясном бульоне, то мне будет плохо. У меня отдельная карточка в детской поликлинике была от аллерголога, но тк родился я в 89 и дело происходило, соответственно в 90е, никто мне причину так и не указал. Кстати из бонусов – с этой карточкой в военкомате я получил военник с категорией “годен в случае военных действий”, кажется Б1 и меня отпустили на все четыре стороны. В марте 1918 года была провозглашена Белорусская народная республика, которая сделала бело-красно-белый флаг государственным.

Существует несколько версий происхождения бело-красно-белого флага. Белый и красный цвета характерны для белорусской культуры, например, красные элементы на белой основе считаются самым распространённым сочетанием цветов в белорусском орнаменте7. В 1995 состоялся общереспубликанский Референдум, по итогам которого знамя республики было изменено. Государственным флагом Белоруссии стало полотно из трех полос — двух горизонтальных (красной и зеленой) и одной вертикальной (белой с ярко-красным орнаментом). Похожая атрибутика была у Белорусской соцреспублики с 1951 по 1991, правда, на верхней (красной) полосе был изображен серп с молотом и 5-конечной звездой. В начале XX века, в период, когда Беларусь находилась в составе Российской империи, флаг имел горизонтальные полосы белого и красного цветов.

Также центральный ромб, обозначающий пожелание благоприятного развития событий, называют «ключом к счастью»48. Национальный орнамент свидетельствует об этнической принадлежности, указывает на древнее происхождение нашего народа, на традиции добросовестного труда и строгого порядка. Герб и флаг Республики Беларусь с помощью простых и понятных средств отражают славную историю народа и его многовековые традиции. Они наделены яркими чертами и легко узнаваемы среди всех государственных символов мирового сообщества. Зеленый цвет на флаге олицетворяет отечество, богатство природы, надежду и будущее.

It ensures employees can verify their pay stubs and anticipate their financial standing before payday arrives. Proper utilization of this calculator contributes to greater financial literacy and control. ADP Hourly Calculator provides a straightforward way for hourly employees and employers to estimate gross and net pay based on hours worked and hourly rates. This tool simplifies the complex process of wage computation, helping individuals understand their potential earnings before payday. It accounts for various factors that influence the final take-home amount. The current tax rates are 0%, 10%, 12%, 22%, 24%, 32%, 35%, or 37%.

• Understanding each step of the calculation is vital for financial planning.
• Paying attention to detail and double-checking your inputs are crucial steps.
• This ensures that the information processed by the adp wage calculator reflects your true financial situation.
• An ADP Hourly Calculator serves as a vital tool in this regard, providing precision in financial estimates.
• This commitment to accuracy ensures that your financial planning remains on solid ground and reliable.
• Using an ADP Hourly Calculator helps you anticipate these figures and verify the accuracy of your official pay stub.

Delaware Salary & Paycheck Calculators

Business-specific requirements, such as collective bargaining agreements covering union employees, may also dictate paycheck frequency. Many online adp wage calculator tools are automatically updated by their providers. It is wise to choose a tool from a trusted source that prioritizes keeping its data current and precise. When selecting one, consider its features, accuracy, and ease of use. A comprehensive tool provides detailed insights and adaptable functionalities.

Does the calculator account for local taxes in Delaware?

Delaware employs a graduated income tax system with rates ranging from 0% to 6.6%, which can significantly impact your net income based on your earnings level. While not as complex as some other states, Delaware’s tax code includes various deductions and credits that affect your paycheck. Options to add multiple pre-tax and post-tax deductions, with fields for both fixed amounts and percentages. Hourly workers’ gross pay fluctuates based on the number of hours worked, including any overtime. An adp wage calculator needs accurate input for hours to provide a reliable estimate. Based on the calculations from an adp wage calculator, you can decide to adjust your W-4 form.

For an adp wage calculator to remain accurate, it must incorporate the latest legislative updates. Using an outdated tool can lead to significant discrepancies in your calculations. Use the adp wage calculator to see how increasing savings contributions or changing insurance plans affects your take-home pay. This helps in visualizing the impact of financial decisions on your immediate cash flow.

Verifying Pay Stub Accuracy

Some localities in Delaware may have additional local income taxes that would need to be considered separately. Delaware is known as a tax haven, but even residents of the First State aren’t exempt from taxes. There are seven tax brackets in the state and the highest income tax rate is 6.60%. You will see local taxes included in your results, when applicable.

• This calculation process can be complex, so PaycheckCity’s free calculators can do it for you!
• Your trusted source for adp wage calculator information and tools.
• An adp wage calculator can help them estimate their equivalent net pay, aiding in quarterly tax payments.
• Business-specific requirements, such as collective bargaining agreements covering union employees, may also dictate paycheck frequency.

Salaried Employees

It forms the foundation of all calculations made by an adp wage calculator. This tax is in addition to federal income tax, Social Security, and Medicare deductions. Use ADP’s Delaware Paycheck Calculator to estimate net or “take home” pay for either hourly or salaried employees. Just enter the wages, tax withholdings and other information required below and our tool will take care of the rest.

Contributions to pre-tax accounts, such as traditional 401(k)s or health savings accounts (HSAs), reduce your taxable income. An adp wage calculator highlights how these contributions lower your overall tax burden. Effective tax planning is a continuous process that benefits greatly from an adp wage calculator. By accurately estimating your net pay, you can anticipate your tax liability throughout the year. This feature is invaluable for making informed financial decisions.

What Are Payroll Taxes?

Accurate wage calculation is important for financial planning and budgeting. With an ADP Hourly Calculator, users can input their work details, including regular and overtime hours, to get a clear picture of their income. This transparency helps manage personal finances and ensures that employees are compensated correctly for their efforts. Regularly check that the adp wage calculator you employ reflects the most current tax rates, deduction limits, and other relevant governmental guidelines.

Reputable calculators use up-to-date tax laws, but personal factors like specific allowances or unique deductions can affect the final result. Artificial intelligence might enable adp wage calculator tools to offer predictive insights. This could include forecasting future net pay based on career progression, or suggesting optimal tax withholdings given individual spending patterns. Such connectivity would streamline budgeting and savings, providing a real-time view of your financial health. A fully integrated adp wage calculator could revolutionize personal financial management. Employee benefits, while valuable, often come with deductions from your paycheck.

An accurate understanding of net pay is the cornerstone of effective personal finance. An adp wage calculator empowers individuals to create realistic budgets. Delaware’s state income tax rate of 2.2% to 6.6% affects your take-home pay along with adp delaware paycheck calculator federal taxes.

The transparency provided by a good adp wage calculator simplifies complex financial information for everyone involved. Extra payments often tied to performance or sales, contributing to the overall gross income. These are added before any deductions are made by an adp wage calculator. This is the fundamental compensation an employee receives for their standard hours worked.

Using the ADP Hourly Calculator provides a foundational understanding that can be adapted to more complex pay scenarios. This knowledge is important when making decisions about tax-advantaged retirement accounts or other pre-tax benefits. Properly accounting for deductions is crucial for determining your true take-home pay after all withholdings are applied. Unlike withholding certificates and other employment documents, paychecks are pretty easy to decipher. Reading them is simply a matter of making sure the payment information is correct.

While the ADP Hourly Calculator provides a general estimate, it cannot account for every unique legal or contractual nuance. It serves as an important educational tool for empowering individuals with knowledge about their earnings. Moreover, certain industries or types of work may have specific wage and hour laws that apply. For example, specific rules might exist for agricultural workers, tipped employees, or certain public sector jobs.

To protect themselves from risk and navigate compliance rules, many employers choose to work with a payroll service provider, who can automate paycheck calculations. In our paycheck calculators, SUI is used to refer to the unemployment tax paid by the employee. Most of these taxes are paid by the employee, but there are a few which are paid by the employer.

Paycard savings calculator

Several factors – like your marital status, salary and additional tax withholdings – play a role in how much is taken out from your wages for federal taxes. Your employer will withhold 1.45% of your wages for Medicare taxes each pay period and 6.2% in Social Security taxes. Your employer matches your Medicare and Social Security contributions, so the total payment is doubled. The tax applies to all wages over $125,000 for married couples filing separately and $250,000 for married couples filing jointly. Net pay is lower than gross pay because of various mandatory and voluntary deductions. Many advanced adp wage calculator tools allow you to input overtime hours and rates.

Each option has implications for how often you use an ADP Hourly Calculator and how your budget is structured. The ADP Hourly Calculator provides a baseline estimate, but specific company policies or union agreements might also affect how overtime is calculated or distributed. Always consult your employer’s policies for precise details regarding your compensation. Payroll calculator tools to help with personal salary, retirement, and investment calculations. Employers may need to deduct garnishments from employee wages if they receive a court order to do so. This can occur if an employee defaults on a loan, has unpaid taxes or is required to pay child support or alimony.

Such detail ensures complete transparency regarding where your money goes. It helps in identifying potential areas for optimization, like adjusting tax withholdings. An adp wage calculator automates these steps, providing instant results. This allows for quick comparisons and planning based on various income levels and deduction types. An accurate understanding of net pay is the cornerstone of effective personal finance.

The core function of an adp wage calculator involves taking your gross earnings and systematically subtracting various withholdings and deductions. This process reveals the true amount of money an employee takes home. If you’re an employee in Newark, it’s important to know that while the city has a 1% payroll tax, it applies to employers, not workers.

Other Voluntary Deductions

We then indexed the paycheck amount for each county to reflect the counties with the lowest withholding burden, or greatest take-home pay. Based on up to eight different hourly pay rates, this calculator will show how much you can expect to take home after taxes and benefits are deducted. COVID Wage Growth Report How the pandemic has affected wages across the U.S.Pay Transparency Report Does pay transparency close the gender wage gap? Automate your time and attendance procedures through a biometric or online punchcard system. You can do that and worry about HR, retirement, and insurance benefits down the road.

New Jersey Salary Paycheck Calculator

Gusto’s payroll software automates the entire process for you, from filing payroll taxes to direct-depositing your employees’ paychecks each payday. If you want to boost your paycheck rather than find tax-advantaged deductions from it, you can seek what are called supplemental wages. That includes overtime, bonuses, commissions, awards, prizes and retroactive salary increases. These supplemental wages would not be subject to taxation in Texas because the state lacks an income tax. These calculators provide general guidance and estimates about the payroll process and should not be relied upon to calculate exact taxes, payroll or other financial data. If you have questions about tax withholdings or filing, contact your professional advisor or accountant.

In New Jersey, your paycheck deductions typically consist of federal income tax, state income tax, Social Security, Medicare and state payroll taxes. The final amount taken out of your paycheck might be affected by insurance premiums and retirement contributions. Overtime pay significantly impacts the total gross earnings of an hourly employee. Most labor laws mandate that non-exempt employees receive overtime pay for hours worked beyond a standard workweek, typically 40 hours.

How is pay frequency used to calculate payroll?

• Each option has implications for how often you use an ADP Hourly Calculator and how your budget is structured.
• Pay frequency significantly impacts the per-period net pay, even if the annual gross pay remains the same.
• An ADP Hourly Calculator helps individuals understand what their pay should look like in compliance with these regulations.
• Provide the total number of regular hours you worked within the pay period.

Payroll taxes withheld from employee paychecks fund Social Security and Medicare, to which the employer also makes payroll tax contributions. Yes, by providing a precise estimate of your net take-home pay, an adp wage calculator is an excellent tool for budgeting. Knowing your exact disposable income allows you to allocate funds effectively for expenses, savings, and investments.

For salaried estimates, a dedicated salary calculator would be more appropriate. ADP Hourly Calculator provides a straightforward way for hourly employees and employers to estimate gross and net pay based on hours worked and hourly rates. This tool simplifies the complex process of wage computation, helping individuals understand their potential earnings before payday. It accounts for various factors that influence the final take-home amount.

An hourly paycheck is more than just your hourly rate multiplied by hours worked. It includes several components that either add to or subtract from your gross earnings. Knowing these elements is important for understanding your pay stub and for using an ADP Hourly Calculator effectively.

• A good adp wage calculator will typically allow you to select your state to apply the correct state-specific tax laws and rates.
• The IRS calculator asks about income and marital status, as well as estimated deductions and tax credits, to determine whether any additional withholding is necessary.
• COVID Wage Growth Report How the pandemic has affected wages across the U.S.Pay Transparency Report Does pay transparency close the gender wage gap?
• For those transitioning from hourly to salaried positions, understanding how their previous hourly net pay translates to a new salaried net pay is critical.
• These calculators provide general guidance and estimates about the payroll process and should not be relied upon to calculate exact taxes, payroll or other financial data.
• This can occur if an employee defaults on a loan, has unpaid taxes or is required to pay child support or alimony.

The standard overtime rate is one and a half times the regular hourly rate. Both you and your employees also need to pay a variety of federal payroll taxes. You’ll need to pay FICA and FUTA, and your employees will need to pay FICA, federal income tax, and possibly the Additional Medicare tax. We partner with industry experts to make payroll processing and direct deposit faster and easier for businesses.

The choice of pay frequency is often determined by the employer, but it is important for employees to understand its adp calculator nj impact on cash flow. Using an ADP Hourly Calculator tailored to your specific pay cycle helps you plan finances accurately. From mandatory government withholdings to voluntary benefit contributions, each deduction reduces your gross pay to arrive at your take-home amount. Being aware of these can help you optimize your financial situation.

Outside of payroll, taxes, HR, and benefits, there are many other obstacles to climb. Gross-Up Calculator Use the gross up pay calculator to “gross up” wages based on net pay. Here are common questions about how an adp wage calculator functions and its benefits. These answers provide direct information to assist you in understanding your paycheck better.

Using an ADP Hourly Calculator helps you anticipate these figures and verify the accuracy of your official pay stub. Employers are required to pay the highest applicable minimum wage, ensuring a baseline income for hourly workers. They provide an opportunity to adjust your budget or savings goals as needed.