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Federal funds rate is a rate at which banks can borrow extra money at an overnight market. This can be viewed as 'banks' cost' since when people want to lend from certain bank, the bank will often get the money not from some new deposits it itself attracts but from the overnight market. Consequently if the Fed funds rate drops they can afford to lend money ...


You can't calculate an actual average from that data. An average is the sum of all values divided by the count of values. If you are just making a trend-line or time series, just use Open or Close.

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