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rated:
So if I buy when I normally do at the end of January my fixed rate will be 0, but if I wait till May there is a chance fixed portion could be higher?

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RS4Rings said:   So if I buy when I normally do at the end of January my fixed rate will be 0, but if I wait till May there is a chance fixed portion could be higher?
† Keyword is a "chance"†

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MoneyOCD said:   October CPI-U is posted = 237.433†
Base line for next change (September) = 238.031
Total inflation for†Oct = -0.25%

We have†FIVE more months to go before new I-bonds inflation component rate will be set.

† Damn you oil, you're making my I-bonds earn less! (probably, in five months)

rated:
ntr91 said:   
MoneyOCD said:   October CPI-U is posted = 237.433†
Base line for next change (September) = 238.031
Total inflation for†Oct = -0.25%

We have†FIVE more months to go before new I-bonds inflation component rate will be set.

† Damn you oil, you're making my I-bonds earn less! (probably, in five months)

Maybe oil going down is a good thing for your i-bonds.

No matter how much oil falls, your i-bond rate will still be zero.† So lets hope for a dramatic decrease in inflation.

i.e. Inflation falls for the six month period at a rate of -2.00% then goes up the next six months at 1.00%. For the twelve month period you earned 1.00% on your I-bonds yet inflation fell 1.00% for that 12 month period.† Your I-bonds did not match inflation as they were designed, they beat inflation.†

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From a macroeconomic perspective, you would not want that. Deflation will make inflation look like a tame child.

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Inflation does not effect everyone the same. I was doing much better when we had higher inflation but was making 6% on my money

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November CPI-U is posted =236.151
Base line for next change (September) =†238.031
Total inflation for†Oct+Nov = -0.79%

We have FOUR††more months to go before new I-bonds inflation component rate will be set.

rated:
With Barclay's 5 year CD you can earn 1.5% APY after 18 months since the penalty is only 180 days on a 2.25% APY.

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