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re: Sounds like most want the fed to reduce rates and bring back 10% inflation.......
Posted on 4/10/26 at 10:21 am to Bass Tiger
Posted on 4/10/26 at 10:21 am to Bass Tiger
quote:
It's hard to imagine interest rates below 5% for a 30 year fixed rate mortgage being good for home prices.
It’s mostly psychological. The difference in paying 5.5% vs 6.5% is overblown because it doesn’t account for having to spend a premium upfront due to increased demand
It’s almost like people forget how much housing prices surged post-COVID with historically low rates. A lot of the people blaming rates for why they can’t buy a house don’t have the income to support buying a house in any market without being house poor. That $300k your looking at today would cost $450k with meaningfully low rates
0
Posted on 4/10/26 at 10:24 am to deltaland
quote:
It makes a big difference to me when I have a 3 million dollar line of credit for my farm
If you cant cover the spread on your return on investment versus a 6 or 7% line of credit partner, you in the wrong business.
Posted on 4/10/26 at 10:30 am to trinidadtiger
quote:
Sounds like most want the fed to reduce rates and bring back 10% inflation.......
Where are you getting the idea we'll have 10% inflation?
From the same experts that said the inflation would be transient?
Posted on 4/10/26 at 10:32 am to michael corleone
That was my point regarding capital expenditures being at an all time high.
If you are running a business, your return on investment has to be higher than the rate of borrowing for it to make sense for a line of credit or basic loan. If you cant jump that hurdle with the feds at 3.75, you certainly should reconsider your line of business. If its a farm, maybe its worth it for the love of the business, but it certainly is not fed rates where they are that is the issue.
The US has tied the world to the US dollar, then spends trillions needlessly driving up inflation for the entire world. While people in the US complain about their temu toys costing more, you have just forced billions in the world to go on a ramen noodle diet.
We would be far far better off cutting spending and being fiscally responsible versus interest rate manipulaton and that quantitative tightening and loosening after the fact.
If you are running a business, your return on investment has to be higher than the rate of borrowing for it to make sense for a line of credit or basic loan. If you cant jump that hurdle with the feds at 3.75, you certainly should reconsider your line of business. If its a farm, maybe its worth it for the love of the business, but it certainly is not fed rates where they are that is the issue.
The US has tied the world to the US dollar, then spends trillions needlessly driving up inflation for the entire world. While people in the US complain about their temu toys costing more, you have just forced billions in the world to go on a ramen noodle diet.
We would be far far better off cutting spending and being fiscally responsible versus interest rate manipulaton and that quantitative tightening and loosening after the fact.
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