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Given the state of the economy, rates should be higher than where they are today. The FED has been very slow to raise rates.
I whole heartedly agree, but I’m glad they didn’t last year when I bought house @ 3.0% 30 year fixed va loan. Dropped 1 grand in points to go from 3.25 to 3.0
Worth it. My friends are looking at housing and it’s almost 5% now I feel really bad as it’s making them look at less than ideal homes.
If you have all your savings in a "savings account", then you need some very elementary education on managing your finances.
You should have only emergency savings there. The economy is booming, unemployment is at all time low. The markets are booming. If you are not making more than 20% on your investments in the past few years, then you need some very simple personal finance education.
If you have all your savings in a "savings account", then you need some very elementary education on managing your finances.
You should have only emergency savings there. The economy is booming, unemployment is at all time low. The markets are booming. If you are not making more than 20% on your investments in the past few years, then you need some very simple personal finance education.
That wasn't the claim or the question. Do you want to address that or not?
If you are earning 1% or less, you likely benefit from some elementary education on how to save money.
If your earnings are so little that you only have access to bank passbook saving rates of interest, then it is likely a small investment in vocational training will yield you huge benefits in your earning ability. The US economy is at full employment and the US economy is booming in many areas.
You are the one that wrote your rate of return in this market is .01 tp 1%, not me. If you are earning less than 1% rate of return in this market, you are making some incredibly bad mistakes. The US market and US economy are booming. The SPX returned more than 16% in the past year alone. Again, if you are complaining that you are only able to earn less than 1% on your savings, then you need to get some very elementary education of handling personal finances.
You are the one that wrote your rate of return in this market is .01 tp 1%, not me. If you are earning less than 1% rate of return in this market, you are making some incredibly bad mistakes. The US market and US economy are booming. The SPX returned more than 16% in the past year alone. Again, if you are complaining that you are only able to earn less than 1% on your savings, then you need to get some very elementary education of handling personal finances.
Yes. For starters some understanding of the yield curve. Current 1 year treasury=2.35%. 5 year=2.81%. 10 year=2.93%. Five year note looks fairly attractive. Close to 3%. Most of the yield of the 10 year note with less risk.
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