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Posted: 9/5/2019 10:17:24 AM EST
[#1]
negative interest rates soon
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Posted: 9/5/2019 10:18:48 AM EST
[#2]
double post
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Posted: 9/5/2019 10:19:04 AM EST
[#3]
Quote HistoryQuoted:
aaaawwwwwwwwwwwwwwwwww yeaaaaaaaaaaaaaaaahhhhhhhhhhhhhhh!!! |
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Posted: 9/5/2019 10:20:24 AM EST
[#4]
Blame Trump for lowered interest rates and cheap money.
Study Japan and the Japanese reaction. It's one reason why the Japanese have bought a lot of home safes and gold. |
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Posted: 9/5/2019 10:22:22 AM EST
[#5]
Quote HistoryQuoted:
Blame Trump for lowered interest rates and cheap money. Study Japan and the Japanese reaction. It's one reason why the Japanese have bought a lot of home safes and gold. We are just 10-20 years behind them....there are a tremendous amount a parallels to be drawn |
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Posted: 9/5/2019 10:23:01 AM EST
[#6]
Quote HistoryQuoted:
but muh CD rateS!! Quote HistoryQuoted:
Quoted:
aaaawwwwwwwwwwwwwwwwww yeaaaaaaaaaaaaaaaahhhhhhhhhhhhhhh!!! |
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Posted: 9/5/2019 10:24:45 AM EST
[#7]
Quote HistoryQuoted:
negative interest rates soon |
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Posted: 9/5/2019 10:24:55 AM EST
[#8]
Quote HistoryQuoted:
Take your time dude. Pay attention to Detail. Quote HistoryQuoted:
Quoted:
Quoted:
aaaawwwwwwwwwwwwwwwwww yeaaaaaaaaaaaaaaaahhhhhhhhhhhhhhh!!! |
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Posted: 9/5/2019 10:25:20 AM EST
[#9]
Quote HistoryQuoted: but muh CD rateS!! |
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Posted: 9/5/2019 10:26:19 AM EST
[#10]
Quote HistoryQuoted:
At which point you take all your money out of the bank and stash it somewhere. No reason to pay the bank to hold more money than you need them to (and pay them for the privilege). |
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Posted: 9/5/2019 10:26:29 AM EST
[#11]
Quote HistoryQuoted:
And bonds. Quote HistoryQuoted:
Quoted: but muh CD rateS!! |
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Posted: 9/5/2019 10:26:52 AM EST
[#12]
I find this unsurprising...
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Posted: 9/5/2019 10:28:56 AM EST
[#13]
Effects from the trade war.
China devalued the yuan, this rate cut will just make it worse on them as their temporary export bump will be erased when money becomes cheaper to invest here. Don't know what will happen with export countries other than China. This is a trade war of value attrition and eventual inflation. I just wonder at what point does China's economy eventually comes off the rails? What they will do? Will they whimper into depression or lash out by going full communist Great Leap forward and start acting stupid regionally? |
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Posted: 9/5/2019 10:30:22 AM EST
[#14]
Quote HistoryQuoted:
Effects from the trade war. China devalued the yuan, this rate cut will just make it worse on them as their temporary export bump will be erased when money becomes cheaper to invest here. Don't know what will happen with export countries other than China. This is a trade war of value attrition and eventual inflation. I just wonder at what point does China's economy eventually comes off the rails? What they will do? Will they whimper into depression or lash out by going full communist Great Leap forward and start acting stupid regionally? |
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Posted: 9/5/2019 10:40:38 AM EST
[#15]
Quote HistoryQuoted: yep...most all fixed rate investments from annuities to MBS. Munis to a certain extent. 
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Posted: 9/5/2019 10:43:42 AM EST
[#16]
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Posted: 9/5/2019 10:58:53 AM EST
[#17]
Quote HistoryQuoted:
Had a 5 year fixed at like 3.30 6 months ish ago now its at like 2.30. Quote HistoryQuoted:
Quoted: yep...most all fixed rate investments from annuities to MBS. Munis to a certain extent. |
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Posted: 9/5/2019 11:15:08 AM EST
[#18]
Jeez, interest rates are getting ridiculous. It's brave new world. Savers will be punished.
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Posted: 9/5/2019 6:11:44 PM EST
[#19]
This is good for Bitcoin.
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Posted: 9/6/2019 6:50:45 PM EST
[#20]
Powell signals a rate cut.
https://www.cnn.com/2019/09/06/business/federal-reserve-powell-trump-recession-fears/index.html |
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Posted: 9/6/2019 6:57:00 PM EST
[#21]
Quote HistoryQuoted:
Jeez, interest rates are getting ridiculous. It's brave new world. Savers will be punished. 
Maybe its time to borrow some cash and start another business. |
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Posted: 9/6/2019 7:14:18 PM EST
[#22]
Need cheap money to keep the illusion rolling along.
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Posted: 9/7/2019 11:47:01 AM EST
[#23]
Quote HistoryQuoted:
Effects from the trade war. China devalued the yuan, this rate cut will just make it worse on them as their temporary export bump will be erased when money becomes cheaper to invest here. Don't know what will happen with export countries other than China. This is a trade war of value attrition and eventual inflation. I just wonder at what point does China's economy eventually comes off the rails? What they will do? Will they whimper into depression or lash out by going full communist Great Leap forward and start acting stupid regionally? I predict WAR. |
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Posted: 9/7/2019 11:57:32 AM EST
[#24]
https://m.youtube.com/watch?v=3WclYu5l4G0
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Posted: 9/7/2019 12:07:02 PM EST
[#25]
cheaper home loans
more expensive building materials |
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Posted: 9/18/2019 7:49:15 AM EST
[#26]
I'm surprised the markets aren't up a bit.
https://www.bloomberg.com/news/articles/2019-09-17/new-york-fed-announces-operation-to-ease-money-market-rates |
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Posted: 9/18/2019 7:50:06 AM EST
[#27]
504 Gateway Time-out error
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Posted: 9/18/2019 8:00:35 AM EST
[#28]
Time for a loan to pay for more Beanie Babies! ...or maybe a 97 month car loan.
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Posted: 9/18/2019 8:11:02 AM EST
[#29]
They need to go up, not down.
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Posted: 9/18/2019 8:12:06 AM EST
[#30]
Why waste time, cut to zero, now.
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Posted: 9/18/2019 8:12:22 AM EST
[#31]
I literally closed on a house yesterday...
ETA Car will be paid off in a couple months. Guess now is a good time to start shopping for a new ride. |
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Posted: 9/18/2019 8:15:27 AM EST
[#32]
In the process of OT buying a house. Hopefully rates keep dropping and I can get a very low rate
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Posted: 9/18/2019 8:32:40 AM EST
[#33]
Quote HistoryQuoted:
I'm surprised the markets aren't up a bit. https://www.bloomberg.com/news/articles/2019-09-17/new-york-fed-announces-operation-to-ease-money-market-rates Repo chaos can be a big deal depending on what's driving it. |
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Posted: 9/18/2019 8:43:20 AM EST
[#34]
Quote HistoryQuoted:
Jeez, interest rates are getting ridiculous. It's brave new world. Savers will be punished. |
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Posted: 9/18/2019 8:45:17 AM EST
[#35]
Quote HistoryQuoted:
Can't answer that but I hope there is a revolution and the commies are gone. Naturally Satan wants it in his "global government". My guess would be the more desperate they get the closer we are to that day. |
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Posted: 9/18/2019 8:47:46 AM EST
[#36]
Quote HistoryQuoted:
Japan is a good study....they basically had the same thing we had in the 90s instead of the 2000s. We are just 10-20 years behind them....there are a tremendous amount a parallels to be drawn Quote HistoryQuoted:
Quoted:
Blame Trump for lowered interest rates and cheap money. Study Japan and the Japanese reaction. It's one reason why the Japanese have bought a lot of home safes and gold. We are just 10-20 years behind them....there are a tremendous amount a parallels to be drawn Do our differences matter? Immigration. Culture of accepting wide amounts of diversity including destructive behavior. Others? |
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Posted: 9/18/2019 8:52:37 AM EST
[#37]
Everyone forgets those 2010-2015 interest rate years.
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Posted: 9/18/2019 8:55:34 AM EST
[#38]
Quote HistoryQuoted:
They need to go up, not down. |
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Posted: 9/18/2019 8:57:03 AM EST
[#39]
My grandmother is 98 and she still lives off the money she made when interest rates on CDs were 18%. Was good to her. She already had a paid for home/land. Lived off just what she ate, lived in a low cost area.
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Posted: 9/18/2019 8:57:14 AM EST
[#40]
Quote HistoryQuoted:
negative interest rates soon
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Posted: 9/18/2019 8:58:39 AM EST
[#41]
Quote HistoryQuoted:
They need to go up, not down. |
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Posted: 9/18/2019 9:01:32 AM EST
[#42]
Quote HistoryQuoted:
The "Red Dragon" figures prominently in "end times" prophecy...communism is the govt of Hell on earth. Naturally Satan wants it in his "global government". My guess would be the more desperate they get the closer we are to that day. Quote HistoryQuoted:
Quoted:
Can't answer that but I hope there is a revolution and the commies are gone. Naturally Satan wants it in his "global government". My guess would be the more desperate they get the closer we are to that day. |
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Posted: 9/18/2019 9:02:41 AM EST
[#43]
Quote HistoryQuoted:
And why is that? Quote HistoryQuoted:
Quoted:
They need to go up, not down. Guess I should buy a house I can barely afford.
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Posted: 9/18/2019 9:06:09 AM EST
[#44]
Quote HistoryQuoted:
Speaking for myself, because I have no debt and money in the bank. Guess I should buy a house I can barely afford. Trump wants you to spend your money. Doesn't matter on what, just that you not hoard it any longer, so your dollars pump up the economic numbers and he looks good for reelection. |
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Posted: 9/18/2019 9:09:46 AM EST
[#45]
Quote HistoryQuoted:
And why is that? Quote HistoryQuoted:
Quoted:
They need to go up, not down. Plus, when rates are this low for this long, it pulls future demand forward. So you get a surge of buying stuff on credit, which is nice NOW, but is not so nice when people don't buy stuff on credit because (a) interest rates rise or (b) the consumer is tapped out. Example: I worked on the sidelines of the auto industry in the mid-late 2000s, interest rates were relatively low and instead of buying a new car every 4-5 years, lots of people were buying a new car every 18 months and rolling the negative equity from their trade-in into the loan on the new car -- and in some cases THAT trade-in's loan had negative equity from the car before that (I actually saw someone with a $54,000 loan balance on a $40,000 vehicle due to that). That meant that they rapidly reached a point where they either (a) stayed in that vehicle for much longer than normal or (b) sold it and bought a used beater. Either way, instead of selling a new car to that person every 4-5 years, the auto industry sold a new car to that person 2-3 times in 5 years then sold nothing to that person for 7-8 years. |
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Posted: 9/18/2019 9:11:51 AM EST
[#46]
Quote HistoryQuoted: because while it's lots of fun to be a borrower when rates are low, there are certain parts of our economy that depend on interest rates around the 5-8% range to be economically viable. Examples include pension funds, insurance companies, re-insurance companies, and other financial entities that simply cannot have all of their assets exposed to stock market fluctuations. Plus, when rates are this low for this long, it pulls future demand forward. So you get a surge of buying stuff on credit, which is nice NOW, but is not so nice when people don't buy stuff on credit because (a) interest rates rise or (b) the consumer is tapped out. Example: I worked on the sidelines of the auto industry in the mid-late 2000s, interest rates were relatively low and instead of buying a new car every 4-5 years, lots of people were buying a new car every 18 months and rolling the negative equity from their trade-in into the loan on the new car -- and in some cases THAT trade-in's loan had negative equity from the car before that (I actually saw someone with a $54,000 loan balance on a $40,000 vehicle due to that). That meant that they rapidly reached a point where they either (a) stayed in that vehicle for much longer than normal or (b) sold it and bought a used beater. Either way, instead of selling a new car to that person every 4-5 years, the auto industry sold a new car to that person 2-3 times in 5 years then sold nothing to that person for 7-8 years. |
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Posted: 9/18/2019 9:13:25 AM EST
[#47]
Just wonderful. Refinanced my car payment last week. 800+ credit score only got me a 3.5% down from 4.99%. Should of waitd.
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Posted: 9/18/2019 9:47:37 AM EST
[#48]
Quote HistoryQuoted:
@midcap Do our differences matter? Immigration. Culture of accepting wide amounts of diversity including destructive behavior. Others? Quote HistoryQuoted:
Quoted:
Quoted:
Blame Trump for lowered interest rates and cheap money. Study Japan and the Japanese reaction. It's one reason why the Japanese have bought a lot of home safes and gold. We are just 10-20 years behind them....there are a tremendous amount a parallels to be drawn Do our differences matter? Immigration. Culture of accepting wide amounts of diversity including destructive behavior. Others? 
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Posted: 9/18/2019 9:58:42 AM EST
[#49]
Not good for Trump 2020
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Posted: 9/18/2019 10:08:51 AM EST
[#50]
Quote HistoryQuoted:
Just wonderful. Refinanced my car payment last week. 800+ credit score only got me a 3.5% down from 4.99%. Should of waitd. I’m paying 2.8 on a 5 year note. |
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