{"product_id":"interest-rates-made-simple-robert-martzn-9798184398440","title":"Interest Rates Made Simple: A Beginner's Guide to How Interest Rates Shape Your Mortgage, Your Savings, and the Entire Economy","description":"\u003cp\u003e\u003cb\u003eOne number, set by a small committee, decides what your mortgage costs, what your savings earn, and whether the economy grows or stalls. Most people have no idea how it works.\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003eBetween 2021 and 2023, central banks raised interest rates at the fastest pace in a generation. Mortgages doubled overnight. Savers finally got paid again. Asset prices crashed and recovered. And almost nobody understood why.\u003c\/p\u003e\u003cp\u003e\u003cb\u003eInterest Rates Made Simple\u003c\/b\u003e is the guide that fixes that - written for anyone who has ever wondered what a central bank decision actually means for their money, without jargon, without equations, and without prior knowledge required.\u003c\/p\u003e\u003cp\u003eInside this book you will discover: \u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eWhat an interest rate really is - the price of money itself - and why it exists at all\u003c\/li\u003e\n\u003cli\u003eHow central banks set rates and why it takes 18 months to feel the full effect\u003c\/li\u003e\n\u003cli\u003eHow to choose between fixed and variable mortgages without forecasting the future\u003c\/li\u003e\n\u003cli\u003eWhy your bank raises your mortgage rate quickly but your savings rate slowly - and what to do about it\u003c\/li\u003e\n\u003cli\u003eWhat bonds are and why the bond market matters more than the stock market\u003c\/li\u003e\n\u003cli\u003eHow the yield curve has predicted every US recession in the past 60 years\u003c\/li\u003e\n\u003cli\u003eThe strange decade when interest rates went to zero - and below - and what it left behind\u003c\/li\u003e\n\u003cli\u003eWhy Federal Reserve decisions in Washington affect mortgages in Madrid and Manchester\u003c\/li\u003e\n\u003cli\u003eA practical playbook for what to do with your money when rates rise, fall, or hold steady\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eWith real examples from the 1970s, Volcker's 20% shock, the zero-rate decade, and the 2022-2023 hiking cycle, this book turns interest rates from background noise into useful information you can act on.\u003c\/p\u003e\u003cp\u003e\u003cb\u003eStop being surprised by central bank decisions. Start using them.\u003c\/b\u003e\u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Robert Martín\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9798184398440\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Independently Published\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 07\/14\/2026\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 90\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.29lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 9.00h x 6.00w x 0.22d","brand":"Robert Martín","offers":[{"title":"Paperback","offer_id":49174337814783,"sku":"9798184398440","price":9.99,"currency_code":"USD","in_stock":true}],"url":"https:\/\/www.whiterainbookhouse.com\/products\/interest-rates-made-simple-robert-martzn-9798184398440","provider":"WR Book House","version":"1.0","type":"link"}