Its easy to Monday morning quarterback...everything already happened and the decisions seem so obvious. This market has been a wild ride for th past two years...rates up-then down, home prices stabalize-then fall more. When will we hit the bottom? I lost my crystal ball some time ago, but what does seem to be clear is that interest rates have hit their lows and are beginning their climb higher as I hack out this blog.

With a full week of positive news the bond traders seem to be losing their bravery and have begun unwinding their trades. Though I doubt we will get through the next 60 days without another poor economic report I do think the general feeling is that the worst may be behind us and that will push investors out of the safe haven of bonds and start to seek better returns through other investment options. This is great for your 401k, but will have a negative effect on interest rates. So if you were waiting for the bottom....you may have waited just a little too long, but rates are still very low...strike now before its 'Monday' and you can see what happened and regret the decisions you made in your own game plan.