The pause may be used. 1  at the end of a short sentence. e.g: I am hungryâ. 2  at the end of a phrase. e.g: In spite of his being poorâ ... 3  at the end of a clause. e.g: Unless you do your homeworkâ ...
The effective annual interest rate is a way of restating the annual interest rate so that it takes into account the effects of compounding.
However, South Carolinaâs effective rate â what people actually pay â averages just under 3 percent, ranking 10th lowest nationwide among the 41 states that tax wages, according to the stateâs Revenue and Fiscal Affairs Office.