My first post in 2012 was

[gzz]

My first post in 2012 was telling people to not worry about interest rates going up.

https://www.piggington.com/dear_people_considered_about_rising_rates

This is even more true now than nine years ago:

“It is very simple: there are more people who want to save than there are credit-worthy people who want to borrow. ”