Okay, let’s calculate Joe’s rate. He has a broad range of skills in finance, including commercial banking, lending, and portfolio management. These skills are in demand, especially in a city like New Orleans. However, the rate will depend on the specific industry and company. A common rate for finance professionals in this field is around $100–$200 per hour. Considering Joe’s experience and skills, I would estimate his rate to be around $125 per hour, which is on the lower end of the range. This is because he lacks specific experience in investment banking or a related field, which can command higher rates.