I already know when they are going to raise rates. The week before my adjustable mortgage is recalculated in 2016. Because that is how luck works out.

Funny story saying that. I got an adjustable rate 15 year loan when I refinanced for 3.75%. Going with an adjustable, the Credit Union ate the filing fees and saved me about $2000 in costs. If the rates jump the max they are allowed to, over the life of the loan, I break even off a fixed rate loan.

The Prius V is looking like the winner. The only bad thing I hear about them is that if you load them full of gear and/or people they are hogs without a lot of power to spare. Then again I heard the same thing about the original Prius as well. I'm at that age where all I want a car to do is to go from A to B and save me money on insurance and gas. If I get the urge to drive something more exciting, I can rend something and go get it out of my system. I've never been in an Elise, but I have driven a Mazda RX8. I squeezed into the thing and about 20 minutes later realized I was doing 100MPH on a windy back-road, and if I got used to this I'd have to pay a few dozen speeding tickets a year.