Q: You need to know two pieces of information to perform this calculation:  Interest rate (r). This is the interest rate that the bank quotes for savings accounts of your type. Pay attention to the different rates for different types of accounts. For example, a money market account will generally have a higher interest rate than a savings account, and a savings account will have a higher interest rate than a checking account (if the checking account earns any interest at all). The rate should be expressed as a decimal, so a number like 3% would be used as 0.03. Compounding frequency (n). Ask a lending official at the bank how often the bank compounds interest per year. There is a fairly simple formula for calculating the APY, based on the annual interest rate and the number of times interest is compounded. This formula is: APY=(1+rn)n−1{\displaystyle {\text{APY}}=(1+{\frac {r}{n}})^{n}-1} Suppose, for example, your bank advertises a 1% interest rate on savings accounts and compounds interest quarterly. This means that r=0.01{\displaystyle r=0.01} and n=4{\displaystyle n=4}. Apply these figures to the calculation as follows:  APY=(1+rn)n−1{\displaystyle {\text{APY}}=(1+{\frac {r}{n}})^{n}-1} APY=(1+.014)4−1{\displaystyle {\text{APY}}=(1+{\frac {.01}{4}})^{4}-1} APY=1.00254−1{\displaystyle {\text{APY}}=1.0025^{4}-1} APY=0.010038{\displaystyle {\text{APY}}=0.010038} You probably need an advanced calculator to perform the exponent function for this calculation. Most simple calculators have, at most, a button for squaring a number. You will need a more advanced calculator with a “^” button to raise the number to any chosen exponent. Notice that, for this example, the APY result is very nearly the same as the bank's interest rate. The increase is only 0.0038%. Even so, if you have a large amount of money, invested over time, this increase can add up. Suppose, as a second example, the bank offers the same 1.0% interest rate but compounds the interest daily rather than quarterly. In this case, the rate is the same, r=0.01{\displaystyle r=0.01}, but n=365{\displaystyle n=365}.  Technically the number of days in a year is probably more accurately represented as 365.25. That difference could become meaningful with large amounts of money. For this example, however, just use n=365{\displaystyle n=365}. APY=(1+rn)n−1{\displaystyle {\text{APY}}=(1+{\frac {r}{n}})^{n}-1} APY=(1+.01365)365−1{\displaystyle {\text{APY}}=(1+{\frac {.01}{365}})^{365}-1} APY=1.0025365−1{\displaystyle {\text{APY}}=1.0025^{365}-1} APY=0.01005{\displaystyle {\text{APY}}=0.01005} When the same interest rate is compounded daily, rather than quarterly, the APY increases from 1.0038% to 1.005%. Again, when working with large amounts of money, over time, this difference gains higher significance.
A: Gather the necessary data. Use the APY formula. Apply the data and perform the calculation. Interpret the result. Try a different example. Interpret the new result.

Q: When gallbladder digestive fluid hardens into deposits, it can create gallstones. These deposits can range in size from the size of a grain of sand to a large golf ball. You will notice a yellowish tint to the skin or the whites of your eyes and white or chalky stools. Jaundice usually occurs when gallstones block the bile duct, causing a backup of bile into the liver. The bile may begin leaking into your bloodstream. Cholecystitis is an inflammation of the gallbladder.  It can be caused by gallstones, tumors, or other gallbladder problems. These attacks often result in severe pain that can generally occur along the right side of the body or between the shoulder blades. This pain is often accompanied by nausea and other stomach discomfort.  A buildup of too much bile in the gallbladder can cause gallbladder attacks. Different people experience gallbladder attacks differently. Although pain typically is on the right side, or between the shoulder blades, it may also feel like low back pain, cramps, or the like. Large or fatty meals can trigger a gallbladder attack. The attacks often occur in the evening, within hours of eating. Gallbladder attacks are usually a symptom indicating that something else is wrong with the gallbladder. If gallbladder function is compromised and the gallbladder doesn't empty as quickly as it should, a gallbladder attack may occur.
A:
Learn about gallstones. Watch for signs of jaundice. Identify symptoms of Cholecystitis. Know that diet affects your gallbladder.