Let's face it, we have become complacent with today's LOW rates.  In reality interest rates have been climbing slightly this year and most likely will continue to do so.The wildcard is of course COVID.  This has causes some artificial and unpredictable moves in the credit markets.  In reality- all the economic data is screaming for higher interest rates.Up first we have Inflation- on the consumer level we have the CPI. Year over year CPI is up 5.4%. If you look at the core, which takes out food and energy prices, we are still looking at the price of consumer goods up 4% for the year. Rents were up 1/2% in September alone and are up 2.4% nationally for the year.Another big concern is wholesale inflation, PPI.  That is up 8.6% in the past 12 months which is a new record high.  When you t... 10/20/2021