Mr. Schnepper fails to look at reality.  For example, a couple receives a refund of $5000, on average that puts $2500 on interest free loan to the government for the full year.  $2500 at 1% measly bank rate implies the couple forfeits $25 in forgone interest.   The tradeoff, the extra hundred dollars that goes into...more

Sorry Jim, even though all of your arguments are tough to dispute, you fail to mention the other side of the coin.    For example, debt loads.  Sure, my fixed rate loan is paid back with inflated dollars, but higher interest rates make homes less affordable when the cost of constructing them is inflated!   It ...more