Mr. BAKER: Traditionally, here in the United States, that piece rate will average anywhere from 22 to 30 cents a dozen.

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Working with the beats helps me move faster, increasing my piece-rate pay by a dollar an hour.

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One piece of evidence supporting this is the falling rate of violent crime in states permitting honest citizens to carry concealed handguns.

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Another piece of fine print to study is the interest rate charged on new purchases.

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One piece of good news this week is that following interest-rate cuts and the government's scrapping of tight restrictions on bank lending, total bank loans jumped by 19% in the 12 months to December, up from growth of 14% last summer.

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Question-and-answer sites typically rate low in engagement because users tend to visit in search of a particular piece of information and leave as soon as they obtain it.

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It has a relatively decent default rate of under 10%, and rejects 70% of applicants after tapping into thousands of piece of public data on each one as part of its uniquely automated lending process, to make sure it picks people who will pay it back.

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Consider my investment in a piece of equipment that generates X revenue and Y profit that gets taxed at 28% plus my schedule SE rate of about 15%.

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