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To: skinowski who wrote (77824)	7/23/2003 4:36:16 PM
From: Jack of All Trades	Read Replies (1) \| Respond to of 209892

ARM-> Adjustable Rate Mortgage

To: skinowski who wrote (77824)	7/23/2003 10:22:26 PM
From: nspolar	Read Replies (1) \| Respond to of 209892

By now you know, so I see. I think I am going to do okay on my ARM and I think the chance is very good to redo it, for a longer time period, at the same or lower rate, at some point in the future. Some think bonds have topped. I'm am doubtful, just in a severe correction. We shall see. As for the pm bulls, I just had the best day in my life. PM's. You know what pm's mean. Holding times are important, depending upon what you are holding. I think I saw some discussion about this here a while back. I've been patient pm's, very patient. One of the few that have. Since I don't necessarily believe the top in bonds is in, I also think the future for pm's could remain tricky. ns