h*******s
发帖数: 3932 | | w******t
发帖数: 441 | 2 Fed's main job is to avoid inflation..
in other word, if big inflation comes, should we lay off them??
【在 h*******s 的大作中提到】
: Good..
: http://finance.yahoo.com/news/Two-Fed-hawks-see-no-rb-400321372
| h*******s
发帖数: 3932 | 3 how do u lay off them? usually, when big inflation comes, there's no way to
fix it anymore, it's too late.
so they will be pretty cautious and increase rate when necessary. no one
knows how long we can still enjoy this low rate. now the consensus is at
least another 7 months.
【在 w******t 的大作中提到】
: Fed's main job is to avoid inflation..
: in other word, if big inflation comes, should we lay off them??
| w******t
发帖数: 441 | 4 so you ARM or Fixed?
to
【在 h*******s 的大作中提到】
: how do u lay off them? usually, when big inflation comes, there's no way to
: fix it anymore, it's too late.
: so they will be pretty cautious and increase rate when necessary. no one
: knows how long we can still enjoy this low rate. now the consensus is at
: least another 7 months.
| h*******s
发帖数: 3932 | 5 It depends on your situation and the extent of risk-tolerance . If you think
you'll sell it in 7 or 8 years, of course get ARM. fixed only makes sense
if you're going to hold it for a really long time. I think the fixed rate
will gradually go up from here. Now is the bottom.
ARM will go higher too, but won't cross current fixed rate for a while. If
you choose 5-yr ARM, you may not have another chance to refi it in 5 years.
I think it should be fine because you simply go with another ARM after it (
could be even shorter term). After another 1 or 2 years, boom, you'll move,
ARM or fixed, will be gone with the wind.
【在 w******t 的大作中提到】
: so you ARM or Fixed?
:
: to
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