[Raybyrnes]

jpinpb

“Sadly, it seems the rules of the game have changed and if you are cautious and conservative, it would seem that you lose”

I tend to disagree with this statement and hear is my reason. Prudent and conservative has always lost out to risk taking.

Cash is more conservative than bonds, bonds more conservative than stocks, large cap more conservative than small cap etc etc.

Over long periods of time risk tends to be rewards at least this is what history dictates.

One shot deal a strategic risk taker may lose to the conservative player but over long periods it seems that the risk taker prevails.

[Raybyrnes]

jpinpb

“Sadly, it seems the rules of the game have changed and if you are cautious and conservative, it would seem that you lose”

I tend to disagree with this statement and hear is my reason. Prudent and conservative has always lost out to risk taking.

Cash is more conservative than bonds, bonds more conservative than stocks, large cap more conservative than small cap etc etc.

Over long periods of time risk tends to be rewards at least this is what history dictates.

One shot deal a strategic risk taker may lose to the conservative player but over long periods it seems that the risk taker prevails.

[Raybyrnes]

jpinpb

“Sadly, it seems the rules of the game have changed and if you are cautious and conservative, it would seem that you lose”

I tend to disagree with this statement and hear is my reason. Prudent and conservative has always lost out to risk taking.

Cash is more conservative than bonds, bonds more conservative than stocks, large cap more conservative than small cap etc etc.

Over long periods of time risk tends to be rewards at least this is what history dictates.

One shot deal a strategic risk taker may lose to the conservative player but over long periods it seems that the risk taker prevails.

[Raybyrnes]

jpinpb

“Sadly, it seems the rules of the game have changed and if you are cautious and conservative, it would seem that you lose”

I tend to disagree with this statement and hear is my reason. Prudent and conservative has always lost out to risk taking.

Cash is more conservative than bonds, bonds more conservative than stocks, large cap more conservative than small cap etc etc.

Over long periods of time risk tends to be rewards at least this is what history dictates.

One shot deal a strategic risk taker may lose to the conservative player but over long periods it seems that the risk taker prevails.

[Raybyrnes]

jpinpb

“Sadly, it seems the rules of the game have changed and if you are cautious and conservative, it would seem that you lose”

I tend to disagree with this statement and hear is my reason. Prudent and conservative has always lost out to risk taking.

Cash is more conservative than bonds, bonds more conservative than stocks, large cap more conservative than small cap etc etc.

Over long periods of time risk tends to be rewards at least this is what history dictates.

One shot deal a strategic risk taker may lose to the conservative player but over long periods it seems that the risk taker prevails.

[Raybyrnes]

The prudent thing at first appeared to be to use a 30 year fixed to finance a home. Now we are seeing how risk taking is going to be rewarded. For many borrower they are going to substancially benefit if by the time of reset interest rates ahve fallen back to their previous teaser rates. The spread between the reasonable fixed rates vs. the unprecedently low teaser rate means that those who took the risk save a ton of dough over the last 3 to 5 years. Can anyone argue against this?

[Raybyrnes]

The prudent thing at first appeared to be to use a 30 year fixed to finance a home. Now we are seeing how risk taking is going to be rewarded. For many borrower they are going to substancially benefit if by the time of reset interest rates ahve fallen back to their previous teaser rates. The spread between the reasonable fixed rates vs. the unprecedently low teaser rate means that those who took the risk save a ton of dough over the last 3 to 5 years. Can anyone argue against this?

[Raybyrnes]

The prudent thing at first appeared to be to use a 30 year fixed to finance a home. Now we are seeing how risk taking is going to be rewarded. For many borrower they are going to substancially benefit if by the time of reset interest rates ahve fallen back to their previous teaser rates. The spread between the reasonable fixed rates vs. the unprecedently low teaser rate means that those who took the risk save a ton of dough over the last 3 to 5 years. Can anyone argue against this?

[Raybyrnes]

The prudent thing at first appeared to be to use a 30 year fixed to finance a home. Now we are seeing how risk taking is going to be rewarded. For many borrower they are going to substancially benefit if by the time of reset interest rates ahve fallen back to their previous teaser rates. The spread between the reasonable fixed rates vs. the unprecedently low teaser rate means that those who took the risk save a ton of dough over the last 3 to 5 years. Can anyone argue against this?

[Raybyrnes]

The prudent thing at first appeared to be to use a 30 year fixed to finance a home. Now we are seeing how risk taking is going to be rewarded. For many borrower they are going to substancially benefit if by the time of reset interest rates ahve fallen back to their previous teaser rates. The spread between the reasonable fixed rates vs. the unprecedently low teaser rate means that those who took the risk save a ton of dough over the last 3 to 5 years. Can anyone argue against this?

[Raybyrnes]

HLS

I am not certain if you said it but I agree that calling around is simply a matter of finding the biggest liar if asking for rates.

Want to get your thought on asking more relevant question such as par rates, indexes the loasn are based off of, qualifying standard in terms of debt to equity, fico score etc.

If you know the box that you fit then it make it easier to narrow down who is going to be most competitiive for your loan.

[Raybyrnes]

HLS

I am not certain if you said it but I agree that calling around is simply a matter of finding the biggest liar if asking for rates.

Want to get your thought on asking more relevant question such as par rates, indexes the loasn are based off of, qualifying standard in terms of debt to equity, fico score etc.

If you know the box that you fit then it make it easier to narrow down who is going to be most competitiive for your loan.

[Raybyrnes]

HLS

I am not certain if you said it but I agree that calling around is simply a matter of finding the biggest liar if asking for rates.

Want to get your thought on asking more relevant question such as par rates, indexes the loasn are based off of, qualifying standard in terms of debt to equity, fico score etc.

If you know the box that you fit then it make it easier to narrow down who is going to be most competitiive for your loan.

[Raybyrnes]

HLS

I am not certain if you said it but I agree that calling around is simply a matter of finding the biggest liar if asking for rates.

Want to get your thought on asking more relevant question such as par rates, indexes the loasn are based off of, qualifying standard in terms of debt to equity, fico score etc.

If you know the box that you fit then it make it easier to narrow down who is going to be most competitiive for your loan.

[Raybyrnes]

HLS

I am not certain if you said it but I agree that calling around is simply a matter of finding the biggest liar if asking for rates.

Want to get your thought on asking more relevant question such as par rates, indexes the loasn are based off of, qualifying standard in terms of debt to equity, fico score etc.

If you know the box that you fit then it make it easier to narrow down who is going to be most competitiive for your loan.

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